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1.3-acre residential lot in the City of Toccoa with Ward's Creek frontage! This undeveloped homesite offers an opportunity to build a private residence in a natural setting while remaining within the city limits of Toccoa. Approximately 1.3 acres of wooded and varying terrain is bordered along one side by Ward's Creek, providing a peaceful natural feature and the potential for beautiful views, the sound of flowing water, and a private wooded backdrop. Located on Fernside Drive, the property offers the appeal of a residential homesite surrounded by mature natural vegetation and a creekside environment while still being conveniently located within Toccoa. The property is currently undeveloped residential land, offering a blank canvas for a buyer looking to build a home suited to their own needs and preferences. The creek, natural setting, and wooded surroundings create an especially attractive opportunity for buyers looking for a residential property with creek frontage, privacy, and a connection to nature. The 1.3-acre size provides more room than a typical in-town homesite while maintaining the convenience of being within the City of Toccoa. Important zoning/use information: Because this property is located within the city limits of Toccoa, mobile homes are not permitted. Buyers should independently verify zoning, permitted uses, setbacks, building requirements, utility availability, sewer/septic requirements, floodplain information, and all other development requirements with the City of Toccoa and applicable authorities prior to purchase. Property will require a septic tank, as it is not on the City of Toccoa sewer. It is, however, on City of Toccoa water. If you're searching for land for sale in Toccoa, GA, a residential building lot with creek frontage, or a wooded homesite near Ward's Creek, this 1.3-acre property on Fernside Drive offers a unique opportunity to create a home surrounded by natural beauty while enjoying the convenience of an in-town location.

Highlights

  • Land
  • 1.309 Acre Lot
  • Waterfront
  • 51 days on Market

  • Interior Features
    High Speed Internet

  • Acres
    1.309
  • Lot Features
    Sloped, City Lot
  • Water Front Features
    Creek, Stream
  • Water Front
    Yes
  • Utilities
    Cable Available, 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 850 Fernside Dr?

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 850 Fernside Dr.

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

How do I get more information about 850 Fernside Dr?

Click Ask a Question to talk with our team. You already know it is a N/A bed, N/A bath, listed for $49,000. We can talk through recent upgrades, potential seller motivation, how this land compares to others in Toccoa, and can even get you in to see the property quickly.

How do I get a virtual tour of 850 Fernside Dr?

Yes! A virtual tour is available for 850 Fernside Dr. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 850 Fernside Dr?

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 850 Fernside Dr at around $296. 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 850 Fernside Dr?

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 850 Fernside Dr?

In most cases, yes. Whether 850 Fernside Dr 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 850 Fernside Dr?

We can handle that for you. Our preferred local agent specializes in lands 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.

How long has this property been on the market?

850 Fernside Dr was listed on September 24, 2026, which means it's been on the market for 51 days.

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

What is the lot size of this property?

850 Fernside Dr sits on a 1.31-acre lot, which is 57,064 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 850 Fernside Dr?

The most recent public record shows annual property taxes for 850 Fernside Dr were approximately $200. 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 850 Fernside Dr still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

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#: 10852263