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Pending
    • Price cut: $15.1K (7/11)
    $349,900

    84 Oak Creek Cir, Toccoa, GA 30577

    4beds
    3,186sqft
    : 
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    Single Family Residence
    Built in 1974
    0.46 Acres Lot
    $344,700 Zestimate®
    $110/sqft
    $-- HOA

    What's special

    Finished basementClassic masonry wood-burning fireplaceBeautifully updated kitchenBright and inviting sunroomRecessed lightingPrivate studySleek quartz countertops
    This timeless four-sided brick cottage is a hidden gem, perfectly nestled in a well-established neighborhood just minutes from the heart of downtown Toccoa. From the moment you step into the welcoming foyer, you'll feel right at home. The beautifully updated kitchen is a standout, featuring sleek quartz countertops, a stylish coffee bar, and thoughtfully designed details that make everyday living feel elevated. Designed with both comfort and entertaining in mind, the main level offers a spacious great room with custom built-in bookshelves surrounding a classic masonry wood-burning fireplace, a formal dining room for memorable gatherings, a bright and inviting sunroom, a private study, and a convenient half bath. Beadboard ceilings and recessed lighting add warmth and character throughout. Upstairs, you'll find four generously sized bedrooms filled with natural light, along with two full baths that provide plenty of space for family and guests. The finished basement takes this home to the next level, featuring a second masonry fireplace with gas logs. With dual HVAC systems serving the main and upper levels, this home offers comfort, charm, and functionality all year long
    165 days
    |
    1,283
    |
    47
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Stephen P Caudell 706-491-3245,

    Hammock Realty North Georgia

    Source: GAMLS,MLS#: 10686412MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bonus Room, Den, Family Room, Foyer, Laundry, Media Room, Office, Sun Room
      Dining room
      • Features: Separate Room
      Kitchen
      • Features: Breakfast Area, Solid Surface Counters
      Heating
      • Central, Forced Air, Natural Gas
      Cooling
      • Ceiling Fan(s), Central Air
      Appliances
      • Included: Dishwasher, Oven/Range (Combo), Refrigerator
      • Laundry: In Kitchen, Mud Room
      Features
      • Tile Bath, Walk-In Closet(s)
      • Flooring: Laminate
      • Basement: Bath Finished,Daylight,Finished,Full,Interior Entry
      • Number of fireplaces: 2
      • Fireplace features: Masonry
      • Common walls with other units/homes: No Common Walls
      Interior area
      • Total structure area: 3,186
      • Total interior livable area: 3,186 sqft
      • Finished area above ground: 2,484
      • Finished area below ground: 702

      Property

      Parking
      • Parking features: Attached, Garage, Garage Door Opener, Side/Rear Entrance
      • Has attached garage: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck
      Lot
      • Size: 0.46 Acres
      • Features: Level
      Details
      • Parcel number: T26 142

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Brick 4 Side
      • Property subtype: Single Family Residence
      Materials
      • Brick
      • Roof: Composition
      Condition
      • Resale
      • New construction: No
      • Year built: 1974

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Available, High Speed Internet, Natural Gas Available, Phone Available, Sewer Connected, Underground Utilities, Water Available

      Community & HOA

      Community
      • Features: Street Lights
      • Subdivision: Oak Creek Estates
      HOA
      • Has HOA: No
      • Services included: None
      Location
      • Region: Toccoa

      Financial & listing details

      • Price per square foot: $110/sqft
      • Tax assessed value: $420,126
      • Annual tax amount: $5,091
      • Date on market: 2/6/2026
      • Cumulative days on market: 165 days
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
      • Electric utility on property: Yes

        Estimated market value

        $344,700

        $327,000 - $362,000

        $3,327/mo

        Price history

        DateEventPrice
        7/20/2026Pending sale$349,900$110/sqft
        Source: GAMLS #10686412 Report a problem
        7/11/2026Price change$349,900-4.1%$110/sqft
        Source: GAMLS #10686412 Report a problem
        2/6/2026Listed for sale$365,000-2.6%$115/sqft
        Source: GAMLS #10686412 Report a problem
        2/5/2026Listing removed$374,900$118/sqft
        Source: GAMLS #10585482 Report a problem
        11/7/2025Price change$374,900-2.6%$118/sqft
        Source: GAMLS #10585482 Report a problem
        9/13/2025Price change$384,900-1.3%$121/sqft
        Source: GAMLS #10585482 Report a problem
        8/15/2025Listed for sale$389,900-4.9%$122/sqft
        Source: GAMLS #10585482 Report a problem
        10/15/2024Listing removed$410,000$129/sqft
        Source: FMLS GA #7410723 Report a problem
        6/26/2024Listed for sale$410,000+26.2%$129/sqft
        Source: FMLS GA #7410723 Report a problem
        6/14/2021Sold$325,000+75.2%$102/sqft
        Source: GAMLS #8959639 Report a problem
        11/30/2005Sold$185,500$58/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$5,281 +4.9%$168,050 +23.8%
        2024$5,037 +13.7%$135,779 +7.8%
        2023$4,429 +7.3%$125,935 +6.4%
        2022$4,126 +77.8%$118,334 +85%
        2021$2,320 -0.7%$63,960 +0.1%
        2020$2,337 -0.4%$63,884
        2019$2,346 -1.3%$63,884 +0%
        2018$2,376 +21.1%$63,858
        2017$1,962 +0%$63,858 +0%
        2016$1,962 $63,857 +2.9%
        2015$1,962 -1.7%$62,073 0%
        2014$1,995 -1.6%$62,074 +0%
        2013$2,028 $62,073
        2012-- --
        2011-- --
        2010-- --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 30577

        Getting around

        15 / 100
        Car-Dependent
        14 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Toccoa
        • Middle: Stephens
        • High: Stephens

        Source: GAMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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