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Relax on the spacious rocking chair front porch before stepping inside to an inviting open floor plan designed for comfortable living. Enjoy your morning coffee or unwind in the spacious sunroom overlooking the large, private backyard. The home features 3 bedrooms, one full bath and one half bath. This home combines comfort, functionality, and location-making it a must-see! Sold AS-IS. HUD Case#105-539035. Equal Housing Opportunity. FHA Financing IE (Insured Escrow). This home qualifies for HUD FHA $100 down payment program for Qualified Owner Occupants.

  • Bedrooms
    3
  • Bathrooms
    1 full · 1 half
  • Year Built
    1979
  • Architectural Style
    Ranch, Brick 3 Side
  • Construction Materials
    Brick
  • Parking Features
    Garage, Detached, Kitchen Level
  • Living Area
    1645.0
  • Interior Features
    Master Downstairs
  • Appliances
    Dishwasher, Microwave, Range, Oven
  • Flooring
    Hardwood, Laminate
  • Cooling
    Electric
  • Heating
    Electric
  • Basement
    Crawl Space

  • Acres
    0.87
  • Lot Features
    Corner Lot
  • Utilities
    Electricity Available, Water Available, Natural Gas Available, Phone Available
  • Water
    Public

  • County
    Stephens
  • City
    Toccoa
  • Neighborhood
    None
  • Zip Code
    30577
  • High School
    Stephens
  • Middle School
    Stephens
  • Elementary School
    Big A

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Frequently Asked Questions

How do I schedule a tour of 21 Abby Ln?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 21 Abby Ln.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 21 Abby Ln?

Click Ask a Question to talk with our team. You already know it is a 3 bed, 1 bath, listed for $194,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Toccoa, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 21 Abby Ln?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 21 Abby Ln at around $1,271. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 21 Abby Ln?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Stephens County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 21 Abby Ln?

In most cases, yes. Whether 21 Abby Ln is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Toccoa's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 21 Abby Ln?

We can handle that for you. Our preferred local agent specializes in residentials in Toccoa and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $194,000 with 1,645 sqft of space—that comes out to approximately $118 per square foot.

How long has this property been on the market?

21 Abby Ln was listed on September 11, 2026, which means it's been on the market for 64 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1979, making it approximately 47 years old.

What is the lot size of this property?

21 Abby Ln sits on a 0.87-acre lot, which is 37,897 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Big A
  • Middle: Stephens
  • High: Stephens

Want to see how these schools compare? Check out our Stephens County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 21 Abby Ln?

The most recent public record shows annual property taxes for 21 Abby Ln were approximately $2,000. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 21 Abby Ln still available for sale?

This home is pending sale, which means the seller has accepted an offer. You can favorite it to track status or ask our expert to help you find similar homes in this area. We'll also let you know if this property comes back on the market.

Source: ez Home Search, MLS Data

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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Georgia MLS. All rights reserved.

Last Updated: November 14, 2026 at 04:28PM | Source: Georgia MLS | MLS#: 10844070