Pine Valley Homes with USDA Loan Terms

Welcome to Pine Valley, a hidden gem nestled in the heart of Toccoa, Georgia, within the picturesque Stephens County. This charming subdivision offers a perfect blend of serene living and modern convenience, making it an ideal destination for families, retirees, and first-time homebuyers alike. With its lush greenery and friendly atmosphere, Pine Valley embodies the essence of Southern living.

One of the standout features of Pine Valley is its eligibility for USDA loan terms, making homeownership more accessible to those who qualify. These loans are designed to assist low-to-moderate-income families in rural areas, and Pine Valley fits the bill perfectly. Imagine stepping into your dream home with zero down payment options, allowing you to invest your savings into creating lasting memories rather than just a mortgage.

The homes in Pine Valley are thoughtfully designed, offering a variety of styles and sizes to suit your lifestyle. Whether you’re seeking a cozy cottage or a spacious family home, you’ll find options that cater to your unique needs. The community is characterized by well-maintained properties, friendly neighbors, and a tranquil atmosphere, perfect for evening strolls or weekend gatherings.

In addition to the beautiful homes, Pine Valley boasts proximity to Toccoa’s vibrant downtown, where you can enjoy local shops, dining, and recreational activities. With access to parks, schools, and essential amenities, this subdivision offers a lifestyle that balances comfort and convenience.

Discover the charm of Pine Valley today and take the first step toward making this welcoming community your new home!

Newest Pine Valley Homes with USDA Loan Terms

$289,000

4 Beds ⋅ 3 Baths ⋅ 10839494 MLS

Rosedale / Pine Valley Community! Welcome to 44 Elm Drive, a classic four-sided brick ranch located in the established Pine Valley subdivision of Toccoa, Georgia. This spacious 4-bedroom, 3-full-bath home offers approximately 2,526 square feet of single-level living with the room and flexibility to accommodate family, guests, and entertaining. The home features a formal living room, separate dining room, and a large family room centered around a wood-burning wood stove, creating a comfortable gathering space with plenty of room to spread out. The large deck off the family room is ideal for grilling out and relaxing. Master on Main - the spacious primary bedroom includes a large walk-in closet, and full bathroom. The large laundry room is right off the back door at the kitchen, with room for storage, tools or crafts. Home features snug and efficient natural gas furnace for heat. An attached carport offers covered parking and easy access to the home. The property has public water and public sewer and approximately .46 acre lot. Home has been professionally deep-cleaned - even the carpets - and ready for you to move in! Toccoa offers an appealing Northeast Georgia location in the foothills of the Blue Ridge Mountains, with convenient access to outdoor recreation, historic attractions, shopping, dining, and downtown Toccoa. Lake Hartwell is nearby for boating, fishing, swimming, and recreation, while the surrounding area offers opportunities for hiking, mountain biking, waterfalls, golf, and trout fishing. The Soque River and other Northeast Georgia waterways make the region especially attractive to anglers and outdoor enthusiasts. Toccoa is also home to the historic Currahee Mountain and Camp Toccoa, the World War II training site associated with the U.S. Army's first Parachute Infantry Training Center and made famous through Band of Brothers. Conveniently positioned between Atlanta and Greenville, South Carolina, Toccoa provides the opportunity to enjoy a smaller community and Northeast Georgia lifestyle while remaining within reach of two major metropolitan areas. Greenville is approximately an hour away, while Atlanta is roughly 85 miles away, with Hartsfield-Jackson Atlanta International Airport accessible in approximately 90 minutes depending on traffic and route. If you're searching for a four-sided brick ranch in Toccoa GA, a 4-bedroom 3-bath home, Pine Valley subdivision, wood-burning fireplace or wood stove, attached carport, spacious living areas, and convenient access to Lake Hartwell, Currahee Mountain, the Soque River, the North Georgia mountains, Atlanta, and Greenville, 44 Elm Drive is worth a look.

44 Elm Drive, Toccoa

Listing courtesy of Hammock Realty North Georgia.

$359,000

3 Beds ⋅ 2 Baths ⋅ 10835307 MLS

MOVE-IN READY and FULLY RENOVATED! This beautifully updated 3-bedroom, 2-bath ranch combines modern finishes, comfortable living, and a fantastic backyard. Step inside to a bright, open layout featuring fresh paint, updated flooring, stylish fixtures, and a completely renovated kitchen with new cabinetry, countertops, and stainless steel appliances. Both bathrooms have been beautifully updated for a clean, modern feel. One of the highlights is the LARGE, FULLY FENCED BACKYARD-perfect for pets, kids, entertaining, grilling, or creating your own outdoor oasis. With one-level living, a functional floor plan, and renovations already complete, this home is truly ready for its next owner. Great opportunity to enjoy an updated home with plenty of indoor and outdoor space. Schedule your showing today!

3137 Esther Drive, Gainesville

Listing courtesy of Excalibur Homes, LLC.

$458,000

3 Beds ⋅ 3 Baths ⋅ 10811522 MLS

Meticulously restored 1950s Mid-Century Modern home custom built for one of Northeast Georgia's prominent families, offering timeless architecture, exceptional craftsmanship, and thoughtful updates throughout. A welcoming foyer with natural stone flooring and white oak stairs sets the tone for this one-of-a-kind residence. The custom kitchen showcases rare wormy chestnut cabinetry, granite countertops, stainless steel appliances, double ovens, and a striking brick accent wall with floating shelves. The open living and dining areas are filled with natural light from expansive windows, creating an inviting space for everyday living and entertaining. The oversized owner's suite features beautiful hardwood floors, a renovated bath that honors the home's original character, and abundant custom closets and built-ins. Spacious secondary bedrooms provide room for family and guests. The terrace level offers a gigantic great room with a wood-burning fireplace, office area, and direct access to a private stone patio. Looking for a fourth bedroom? This flexible space could easily be divided while still leaving a generous family room. Beautifully positioned on a private lot, this remarkable home combines authentic Mid-Century Modern design with today's conveniences. A double carport, custom window treatments, abundant storage, and meticulous restoration complete this rare offering. Homes of this quality and architectural significance seldom come to market.

1223 Rosedale Street, Toccoa

Listing courtesy of Hammock Realty North Georgia.

$475,000

4 Beds ⋅ 3 Baths ⋅ 10770529 MLS

Brand new construction offering contemporary farmhouse curb appeal and turnkey comfort on a generous, treed lot. This striking 4-bedroom, 3-full-bath home welcomes you with a wide, covered front porch framed by stained wood posts and black accents - an ideal spot for morning coffee beneath ceiling fans - and a matching back porch for private outdoor living. Inside, a bright, open floorplan is appointed with modern finishes and all-new stainless appliances in a chef-ready kitchen. The spacious primary suite features a luxe en-suite bath and a large walk-in closet; three additional bedrooms and two full baths provide flexible living for family, guests, or a home office. Thoughtful, practical details include a large parking area, a garage with an electric vehicle charging outlet, and a backyard storage shed for tools and seasonal items. The home's exterior combines crisp white vertical siding, brick foundation, neat landscaping, and a welcoming raised entry with steps and classic railing - a memorable first impression that complements minutes-to-everything convenience near shopping, dining, and top schools. Fresh, stylish, and move-in ready - schedule your private showing today and imagine life at 98 Reese St.

98 Reese Street, Monroe

Listing courtesy of Keller Williams Atlanta Perimeter.

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