Stephens County Homes under $400,000

Stephens County Homes under $400,000

Welcome to Stephens County, Georgia, a picturesque gem nestled in the heart of the Appalachian foothills. Known for its stunning natural beauty, vibrant community, and rich history, Stephens County offers a tranquil lifestyle that perfectly balances rural charm with modern conveniences. With its rolling hills, lush forests, and pristine lakes, this area is a haven for outdoor enthusiasts and families alike.

If you’re considering making Stephens County your home, you’ll be delighted to discover a variety of charming properties available for under $400,000. Whether you’re searching for a cozy cottage, a spacious family home, or a serene retreat, the real estate market here provides an array of options to suit your needs and budget. Many homes feature beautiful landscapes, inviting interiors, and convenient access to local amenities, ensuring you can enjoy the best of both worlds.

The community is renowned for its friendly atmosphere, excellent schools, and a host of recreational activities, including hiking, fishing, and boating in nearby Lake Hartwell. With a rich cultural scene and local events throughout the year, there’s always something happening in Stephens County.

Don’t miss the opportunity to explore the diverse housing options available in this enchanting county. With homes under $400,000, you can find the perfect place to create lasting memories in a community that feels like family. Come and experience the charm of Stephens County—your dream home awaits!

Newest Stephens County Homes under $400,000

57 Elm Drive, Toccoa
$340,000
4 Beds ⋅ 2 Baths ⋅ 10870934 MLS
Spacious, like new home in a well established, quiet neighborhood on a cul-de-sac located in town! Split level with main living areas on main level - open concept floor plan to kitchen, dining, and living room with additional space for an office or play room or both! The large kitchen boasts an island and beautiful white cabinets with a large built in pantry cabinet for tons of pantry storage. Upstairs (only 6 steps) you will find 3 bedrooms, including the primary, and a full bathroom with beautiful tile and a tiled walk in shower. Downstairs is an oversize bedroom, full bathroom also with tile floor and tiled shower, and a living room with a fireplace and a kitchenette. There is an exterior exit from this level and a sidewalk around to the parking area which could be used for an apartment space or multigenerational living. The back patio is great for summer nights and would be lovely with a fire pit and hanging lights and even a spot for a trampoline giving you the perfect setting for making memories with your kids or friends. This is a great, brick foundational house with lots of space for the price! This gem is a must see!

57 Elm Drive, Toccoa

Listing courtesy of Coldwell Banker Realty.

465 Defoor Road, Toccoa
$119,900
2 Beds ⋅ 2 Baths ⋅ 10870830 MLS
Move-in ready, well-maintained and priced to sell! Situated on 1.01 acres, this 2-bedroom, 2-bath home offers comfortable living with plenty of extras! An additional generously sized room provides flexible space for a potential third bedroom, home office or hobby room. Enjoy the outdoors from the spacious covered porch, relax in the sunroom or unwind on the additional screened porch. The property features established blueberry bushes, three storage buildings offering plenty of room for tools and equipment and a two-car carport. A recent survey adds another valuable feature to this property. With its inviting outdoor spaces, versatile layout and room to enjoy both inside and out, this well-cared-for home is ready for its next owner. Schedule your showing today!

465 Defoor Road, Toccoa

Listing courtesy of Magnolia Realty & PropertyManagement.

451 Defoor Road, Toccoa
$249,900
3 Beds ⋅ 2 Baths ⋅ 10870819 MLS
Well-maintained 3-bedroom, 1.5-bath home situated on 0.66 acres with a spacious deck and unfinished basement! This property offers a great combination of comfortable living space, outdoor enjoyment, and additional storage or workshop potential. Inside, you'll find both a formal living room and a separate living area, along with an eat-in kitchen. The large back deck provides plenty of room for outdoor seating, grilling or entertaining. The unfinished basement features a garage door for convenient access and added functionality. Recently surveyed and now offered separately on its own 0.66-acre tract, this property presents a fresh opportunity with plenty to offer. Schedule your private showing today!

451 Defoor Road, Toccoa

Listing courtesy of Magnolia Realty & PropertyManagement.

915 W Leatherwood Road, Toccoa
$259,000
3 Beds ⋅ 2 Baths ⋅ 10870397 MLS
MOVE IN BEFORE THE HOLIDAYS!! Great price on this 2026 Clayton Homes Horizon Haven floor plan on 1.53 acres with 3 bedrooms, 2 bathrooms PLUS a large 16' x 12' BONUS ROOM perfect for an additional bedroom, den, play room, office, workout room, craft room or media room. Kitchen boasts an island with bar seating, stainless steel appliances, pantry closet and a large picture window over the sink. The mud room and laundry are conveniently located right next to the kitchen for easy unloading or keeping tabs on the kids and pets. Open concept will make entertaining a breeze. With a dining area and bar seating there is plenty of room for family and friends. Primary bedroom has walk-in closet and lots of room for storage in the ensuite bath. Home has a permanent foundation, comes with a 1 year home warranty and qualifies for USDA, FHA and VA financing. Some images are virtually staged/edited. Unedited pictures are included, as well. Schedule your showing today!

915 W Leatherwood Road, Toccoa

Listing courtesy of Hammock Realty North Georgia.

217 Combs Avenue, Martin
$160,000
3 Beds ⋅ 2 Baths ⋅ 10869743 MLS
Welcome to this charming 3-bedroom, 2-bath mobile home situated on a spacious 1-acre lot in Martin, GA. Filled with natural light throughout, this home offers a comfortable and functional layout with plenty of versatile living space. Step through the front door into a bright living room or bonus space that flows seamlessly into the kitchen and dining area. This flexible room could easily serve as a home office, playroom, hobby area, or additional sitting space to fit your needs. The kitchen features a convenient walk-in pantry, island for additional seating, window over the sink to enjoy the surrounding beauty, and opens to the dining area, creating an inviting space for everyday living and entertaining. Just beyond the kitchen, the spacious family room provides a cozy gathering space complete with a fireplace and sliding glass doors leading to the covered back deck, making it easy to enjoy the outdoors in any season. A generously sized laundry/mudroom adds even more functionality and offers convenient direct access to and from the outdoors. Outside, the property continues to impress with covered parking and an outbuilding that provides the perfect space for storing tools, equipment, or outdoor belongings. Conveniently located between Lavonia and Toccoa, you have easy access to both communities, shopping, dining, and local amenities. With an acre of land, abundant natural light, versatile living spaces, and a convenient location, this property offers plenty of room to make it your own!

217 Combs Avenue, Martin

Listing courtesy of Keller Williams Lanier Partners.

218 Alban Court, Toccoa
$119,000
3 Beds ⋅ 2 Baths ⋅ 10869232 MLS
Solid 3BD/1BA brick home with 1,414 SF, full unfinished basement, and an adjacent vacant lot included. Roof and water heater are approximately 10 years old. Windows need replacement, and the basement bathroom is unfinished. Great opportunity for investors looking to add value and maximize the property's potential.

218 Alban Court, Toccoa

Listing courtesy of Beycome Brokerage Realty LLC.

119 Parkway Drive, Toccoa
$225,000
3 Beds ⋅ 1 Baths ⋅ 10868641 MLS
Charming 1940s Cottage in the Heart of Toccoa...Enjoy easy, single-level living in this charming 1940s cottage located on a quiet residential street just off Big A Road. Conveniently situated within walking distance of restaurants, grocery stores, and a pharmacy, and only 2-3 miles from Downtown Toccoa for shopping, dining, and medical services. The home features a spacious front yard, attached carport, and inviting gable entrance. Inside, you'll find a cozy living room with fireplace and hardwood floors throughout the main living areas. The updated kitchen offers granite countertops, shaker-style cabinets, and stainless steel appliances. Three spacious bedrooms provide hardwood floors and ample closet space. The updated full bath features a tiled shower surround and convenient hallway access. A spacious laundry room offers exterior access to the fenced backyard. The flat backyard includes a concrete slab ideal for a small basketball court, patio, or future shed. Move-in ready with a roof and water heater approximately six years old, plus a 2-10 Home Warranty included with the purchase. A great option for a first-time buyer, down-sizer, retiree, or anyone looking for convenient, low-maintenance living. Schedule your private showing today!

119 Parkway Drive, Toccoa

Listing courtesy of Keller Williams Lanier Partners.

263 S Pond Street, Toccoa
$145,000
2 Beds ⋅ 1 Baths ⋅ 10868568 MLS
Walk to downtown! This charming 2-bedroom, 1-bath home offers an incredible opportunity to enjoy the character and convenience of Historic Downtown Toccoa, GA. With a roof only 4 years old, this home combines classic charm with an important recent update. Located within easy walking distance of downtown shops, restaurants, entertainment, and local events. Take a stroll to the Currahee Military Museum, catch a show at the Historic Ritz Theatre, or enjoy community events such as the Harvest Fall Festival and more. Whether you're searching for a full-time residence, a weekend getaway, or an investment property, this home's walkable location and proximity to downtown make it a wonderful opportunity. Come enjoy small-town living with everything Historic Downtown Toccoa has to offer. The property also features established fruit trees.

263 S Pond Street, Toccoa

Listing courtesy of James O. Hayes Realty Inc..

946 Riverdale Road, Toccoa
$375,000
3 Beds ⋅ 3 Baths ⋅ 10867988 MLS
Welcome Home! Sitting on 1.38 beautifully landscaped acres with a garage, this 3-bedroom, 2.5-bath home is anything but cookie-cutter! A distinctive multi-level floor plan, extensive updates, and generous indoor and outdoor spaces come together to create a property that truly stands apart. A welcoming wraparound porch creates an inviting first impression and provides ample space for outdoor seating. Around back, a spacious deck overlooks the fenced yard and mature trees, offering additional space for outdoor dining, entertaining, or relaxing. Inside, multiple levels of living space provide flexibility for a variety of uses, including an office, hobby room, recreation space, additional sitting area, or guest accommodations. Recent improvements give the interior a fresh, updated feel, including new interior paint, updated lighting, new flooring on the second and third floors, and faux wood blinds throughout. The spacious kitchen and laundry room include matching stainless steel appliances installed in 2023. Nest Smart Thermostats provide added convenience, while several major property improvements have already been completed, including a new roof and HVAC system in 2023 and updated exterior doors. The rear deck was freshly stained in 2025. The 5-foot black vinyl-coated fence includes two walk-through gates and a 12-foot drive-through gate. A concrete pad within the fenced area provides additional usable space for future possibilities. The existing kennel system does not convey with the property. From the wraparound porch and expansive fenced yard to the updated interior and flexible multi-level design, this property offers features that stand apart from a traditional floor plan. With 1.38 acres and numerous updates already completed, there is plenty here to explore both inside and out. Schedule your showing and see all this property has to offer.

946 Riverdale Road, Toccoa

Listing courtesy of Talan Properties LLC.

75 Pressley Lane, Toccoa
$170,000
4 Beds ⋅ 2 Baths ⋅ 10866594 MLS
Welcome home to this classic, 4-sided brick residence situated on a spacious 0.31-acre lot on a quiet, peaceful street. Inside, you will find original hardwood floors, 4 bedrooms and 2 full bathrooms. The layout offers ample natural light and seamless flow, making it ideal for both daily living and easy entertaining. Out back, enjoy a wonderful, fully usable yard-perfect for weekend barbecues, garden projects, or relaxing evenings outdoors. Location is key! You are positioned just minutes from vibrant downtown dining, shopping, and healthcare facilities, giving you the perfect blend of neighborhood quiet and city convenience.

75 Pressley Lane, Toccoa

Listing courtesy of Hammock Realty North Georgia.

43 E Rountree Road, Toccoa
$250,000
3 Beds ⋅ 2 Baths ⋅ 10858219 MLS
This newly remodeled home is just what you are looking for. This home a new roof, siding and floors renovated throughout and a fenced in back yard. It is close to shopping, restaurants and town

43 E Rountree Road, Toccoa

Listing courtesy of Land & Lake Realty, Inc..

155 Boulder Drive, Toccoa
$365,000
4 Beds ⋅ 3 Baths ⋅ 10857924 MLS
Your new home search stops here!! This stunning new construction home includes premium upgrades that others charge extra for! Your beautiful FULLY covered front porch welcomes you home! HIGH END finishes include LVP throughout the entire home w/wood staircase, recessed lighting, high end light fixtures, ceiling fans throughout, fully tiled bathrooms, framed mirrors on the vanities along with all of the needed towel racks! Stunning kitchen with huge island, gorgeous pendant lights, tons of cabinets, solid surface counters and all appliances! Generous laundry room with sink, and massive covered porch where you can enjoy your FULLY sodded backyard and blinds installed for privacy!

155 Boulder Drive, Toccoa

Listing courtesy of Keller Williams Realty Atl. Partners.

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