NOT LISTED FOR SALE

98 Cottage Ln Toccoa, GA 30577

Estimated Value: $677,000 - $777,000

3 Beds
3.5 Baths
3,615 Sq Ft
$203/Sq Ft Est. Value

Sale Details

Date Sold: July 21, 2022

Last sale price $625,000 $173 Per Sq Ft

Est. 18% increase in value since last sale

Current estimated payment $4,651 / mo

102 Days on Market

Highlights

  • Lake Front
  • Fitness Center
  • Craftsman Architecture
  • Golf Course Community
  • Gated Community
  • Mountain View

About This Home

As of July 2022

Casual elegance & quality abound in this Craftsman style cottage. Beautiful stone arches flank the covered patio & create a private spot to overlook the amenity center & community garden. Architecturally one of the most appealing homes in the community. You are welcomed to the home by a large front porch. The foyer leads to a great room with soaring ceilings, a stone fireplace and a with wall of windows to enjoy the views. The kitchen boast a large island, breakfast bar, stainless steel appliances and a gas cooktop. A main level owners suite is tucked away on one end with a full bath complete w/ jacuzzi tub, his/her closets, walk in shower & double vanity. Currahee Club is Georgia's premier mountain, lake and golf community.

Last Agent to Sell the Property

Stephen Caudell

Hammock Realty North Georgia License #357431 Listed on: 04/06/2022

Co-Listed By

Joni Scott

Hammock Realty North Georgia License #254504

Last Buyer's Agent

Joni Scott

Hammock Realty North Georgia License #254504

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,631

Year Built

  • Built in 2006

Lot Details

  • 13,068 Sq Ft Lot
  • Lake Front
  • Level Lot

Home Design

  • Craftsman Architecture
  • Composition Roof
  • Concrete Siding
  • Stone Siding
  • Stone

Interior Spaces

  • 1-Story Property
  • Wet Bar
  • Bookcases
  • Beamed Ceilings
  • Tray Ceiling
  • Vaulted Ceiling
  • Ceiling Fan
  • Gas Log Fireplace
  • Entrance Foyer
  • Great Room
  • Family Room
  • Living Room with Fireplace
  • Bonus Room
  • Mountain Views
  • Pull Down Stairs to Attic

Kitchen

  • Walk-In Pantry
  • Built-In Oven
  • Cooktop
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Solid Surface Countertops

Flooring

  • Wood
  • Pine Flooring
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms | 1 Primary Bedroom on Main
  • Walk-In Closet
  • Double Vanity
  • Soaking Tub
  • Bathtub Includes Tile Surround
  • Separate Shower

Laundry

  • Laundry in Mud Room
  • Laundry Room
  • Dryer
  • Washer

Finished Basement

  • Basement Fills Entire Space Under The House
  • Exterior Basement Entry
  • Finished Basement Bathroom
  • Natural lighting in basement

Parking

  • Garage
  • Parking Accessed On Kitchen Level
  • Guest Parking

Outdoor Features

  • Dock Rights
  • Deck
  • Patio
  • Porch

Schools

  • Stephens County Middle School
  • Stephens County High School

Utilities

  • Central Heating and Cooling System
  • Heating System Uses Natural Gas
  • Underground Utilities
  • Electric Water Heater
  • Private Sewer
  • High Speed Internet

Community Details

Overview

  • Property has a Home Owners Association
  • Currahee Club Subdivision
  • Community Lake

Amenities

  • Clubhouse
  • Guest Suites

Recreation

  • Golf Course Community
  • Tennis Courts
  • Community Playground
  • Fitness Center
  • Community Pool
  • Park

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,631

Year Built

Built in 2006

Lot Details

0.3 Acres

Listing Details

  • Property Type: Residential
  • Year Built: 2006
  • ArchitecturalStyle: Craftsman
  • Main Level Half Bathrooms: 1
  • Co List Office: HRNG01
  • Financing Type: Cash
  • Levels: One
  • Lot Size Acres: 0.3
  • Property Sub-Type: Single Family Residence
  • Structure Type: House
  • Total Finished Area2: 3615
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 1

Interior Features

  • Appliances: Electric Water Heater, Dryer, Washer, Cooktop, Dishwasher, Microwave, Oven (Wall), Refrigerator, Stainless Steel Appliance(s)
  • Bedrooms: 3
  • Basement: Bath Finished, Daylight, Exterior Entry, Finished, Full
  • Below Grade Finished Sq Ft: 1529
  • Total Finished Sq Ft: 2086
  • Unfinished Below Grade Sq Ft: 557
  • Above Grade Finished Sq Ft: 2086
  • Interior Amenities: Bookcases, Tray Ceiling(s), Vaulted Ceiling(s), High Ceilings, Double Vanity, Beamed Ceilings, Soaking Tub, Pulldown Attic Stairs, Separate Shower, Tile Bath, Walk-In Closet(s), Wet Bar, Master On Main Level
  • Feature Name: Lake Hartwell, Currahee Club, community Dock, Golf
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Fireplace Features: Living Room, Gas Log
  • Flooring: Hardwood, Tile, Carpet, Pine
  • Kitchen Features: Solid Surface Counters, Walk-in Pantry

Beds/Baths

  • Lower Level Full Bathrooms: 2
  • Main Level Full Bathrooms: 1
  • Bedroom Lower Level: 2
  • Bedroom Main Level: 1

Exterior Features

  • Construction Materials: Concrete, Stone
  • Lot Features: Level
  • Patio And Porch Features: Deck, Porch, Patio
  • Property Condition: Resale
  • Roof: Composition
  • View: Mountain(s)
  • Waterfront Features: Dock Rights, Lake

Garage/Parking

  • Parking Features: Garage, Kitchen Level, Guest

Utilities

  • Cooling: Electric, Ceiling Fan(s), Central Air
  • Heating: Natural Gas, Central
  • Laundry Features: In Mud Room
  • Security Features: Gated Community
  • Sewer: Private Sewer
  • Utilities: Underground Utilities, Sewer Connected, High Speed Internet, Natural Gas Available
  • Water Source: Public

Condo/Co-op/Association

  • Association: Yes
  • Community Features: Clubhouse, Gated, Golf, Guest Lodging, Lake, Park, Fitness Center, Playground, Pool, Street Lights, Tennis Court(s)

Fee Information

  • Association Fee Includes: Other

Schools

  • Elementary School: Other
  • High School: Stephens County
  • Middle School: Stephens County

Multi Family

  • Total Fireplaces: 1

Tax Info

  • Year: 2021
  • Tax Annual Amount: 5631.23

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Closed on
Jul 3, 2024
Sold by
Bought by
Current Estimated Value
$734,646

Purchase Details

Listed on
Apr 6, 2022
Closed on
Jul 21, 2022
Sold by
Bought by
Seller's Agent
Stephen Caudell
Hammock Realty North Georgia
Buyer's Agent
Joni Scott
Hammock Realty North Georgia
List Price
$694,000
Sold Price
$625,000
Premium/Discount to List
-$69,000
-9.94%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.23%

Purchase Details

Listed on
Oct 9, 2020
Closed on
Dec 15, 2020
Sold by
Bought by
Seller's Agent
BEVERLY KNIGHT
NOT A VALID MEMBER
Buyer's Agent
Tracy Stephens
NOT A VALID MEMBER
List Price
$539,900
Sold Price
$539,900

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.58%

Purchase Details

Closed on
Jul 2, 2020
Sold by
Bought by

Purchase Details

Listed on
May 17, 2017
Closed on
Sep 8, 2017
Sold by
Bought by
Seller's Agent
Bob Troup
Hammock Realty
Buyer's Agent
AGENT NONMEMBER
NONMEMBER OFFICE
List Price
$389,000
Sold Price
$383,000
Premium/Discount to List
-$6,000
-1.54%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.76%
Original Mortgage
$344,700
Interest Rate
3.9%
Mortgage Type
New Conventional

Purchase Details

Listed on
Mar 13, 2013
Closed on
Feb 28, 2014
Sold by
Bought by
Seller's Agent
Susan Verlander
Marina Bay Properties LLC
Buyer's Agent
Susan Verlander
Marina Bay Properties LLC
List Price
$450,000
Sold Price
$360,000
Premium/Discount to List
-$90,000
-20%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
1.74%
Original Mortgage
$324,000
Interest Rate
4.35%
Mortgage Type
New Conventional

Purchase Details

Closed on
May 23, 2007
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$300,000
Interest Rate
6.16%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jul 24, 2006
Sold by
Bought by

Purchase Details

Closed on
Jun 7, 1999
Bought by
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
-- --
$625,000 --
$539,900 --
-- --
-- --
$383,000 --
$360,000 --
$684,000 --
$684,000 --
$150,000 --
-- --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Previous Owner $344,700
Previous Owner $324,000
Previous Owner $300,000
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
07/21/2022 07/21/22 Sold $625,000 -3.8% $173 / Sq Ft
07/18/2022 07/18/22 Pending -- -- --
05/17/2022 05/17/22 Price Changed $649,900 -6.4% $180 / Sq Ft
04/06/2022 04/06/22 For Sale $694,000 +28.5% $192 / Sq Ft
12/15/2020 12/15/20 Sold $539,900 0.0% $149 / Sq Ft View Prior Sale
11/24/2020 11/24/20 Pending -- -- --
10/09/2020 10/09/20 For Sale $539,900 +41.0% $149 / Sq Ft
09/26/2017 09/26/17 Sold $383,000 -1.5% $106 / Sq Ft View Prior Sale
09/20/2017 09/20/17 Pending -- -- --
05/17/2017 05/17/17 For Sale $389,000 +8.1% $108 / Sq Ft
02/28/2014 02/28/14 Sold $360,000 -9.8% $61 / Sq Ft View Prior Sale
01/27/2014 01/27/14 Pending -- -- --
12/26/2013 12/26/13 Price Changed $399,000 -11.3% $68 / Sq Ft
03/13/2013 03/13/13 For Sale $450,000 -- $77 / Sq Ft
Source: Georgia MLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $8,288 $301,942 $25,096 $276,846
2024 $6,264 $205,714 $25,096 $180,618
2023 $5,729 $192,440 $25,096 $167,344
2022 $5,423 $182,153 $25,096 $157,057
2021 $5,631 $180,084 $35,380 $144,704
2020 $5,582 $176,756 $35,380 $141,376
2019 $4,559 $143,762 $35,380 $108,382
2018 $4,559 $143,762 $35,380 $108,382
2017 $4,631 $143,762 $35,380 $108,382
2016 $4,559 $143,762 $35,380 $108,382
2015 $4,774 $143,762 $35,380 $108,382
2014 $4,453 $131,892 $35,380 $96,512
2013 -- $131,892 $35,380 $96,512
Source: Public Records

Agents Affiliated with this Home

  • Stephen Caudell

    Seller's Agent in 2022

    Stephen Caudell

    Hammock Realty North Georgia

    (706) 491-3245

    268 Total Sales

    Stephen Caudell
    Section Image
  • Joni Scott

    Seller Co-Listing Agent in 2022

    Joni Scott

    Hammock Realty North Georgia

    (706) 963-0269

    309 Total Sales

    Joni Scott
    Section Image

  • B

    Seller's Agent in 2020

    BEVERLY KNIGHT

    NOT A VALID MEMBER

    Section Image

  • T

    Seller Co-Listing Agent in 2020

    Tracy Stephens

    NOT A VALID MEMBER

    Section Image

  • B

    Seller's Agent in 2017

    Bob Troup

    Hammock Realty

See All Agents

Map

Source: Georgia MLS

MLS Number: 20030560

Georgia MLS

APN: 057-125

Georgia Stephens County Toccoa 30577

98 Cottage Ln, Toccoa, GA

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Georgia MLS The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of Georgia MLS. Real estate listings held by brokerage firms other than Redfin are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers. Information deemed reliable but not guaranteed. Copyright 2026 Georgia MLS. All rights reserved.

Nearby Homes
Your Personal Tour Guide

Ask me questions while you tour the home.