3014 Prather Bridge Road, Toccoa, GA 30577
As of September 9, 2026, 3014 Prather Bridge Road in None, Toccoa is listed at $495,000 (2,502 sq ft, about $198 per sq ft). It came to market within the past week. Listing facts: built in 1988, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1988 · 38 yrs
- 2,502 sq ft of living area
- Active listing
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1988BuiltPer public record
- Sep 5, 2026First trackedObserved at $495,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $2,558/mo 77%
- Taxes $433/mo 13%
- Insurance $262/mo 8%
- HOA $50/mo 2%
$3,303/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
48/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $198 per square foot, about in line with the community’s $198 median. None’s 12-month median sold price per square foot is $198. MLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Tucked away in a beautiful private setting, this exceptional Lindal Cedar Home offers a rare opportunity to own a distinctive property surrounded by nature and designed for enjoying the outdoors. Situated on approximately 6-7 acres, pending the final survey, the property provides an ideal combination of privacy, usable land, and peaceful surroundings. A paved driveway leads you to the home, while an extensive network of approximately 1.4 miles of gravel-covered ATV and walking trails provides plenty of room to explore the property.
Several picturesque streams meander through the land, with three footbridges, a vehicle bridge, and a culvert adding character to the setting. A creek-fed pump provides a convenient source of outdoor water, while the home is serviced by a private well and septic system. The Lindal Cedar Home showcases exceptional craftsmanship and timeless construction, featuring Western Red Cedar and stone, approximately 2,500 square feet of finished living space, and an additional 835-square-foot basement.
The main level includes three spacious bedrooms and two full bathrooms. The basement is already rough-plumbed for a future third bathroom, offering additional potential for finished living space, recreation, storage, or a workshop. The approximately 700-square-foot primary suite is a true retreat, complete with its own fireplace and plenty of space to relax.
A second fireplace anchors the family room and creates a warm, inviting atmosphere. Quality construction details include Western Red Cedar ceilings, glue-laminated Douglas Fir posts and beams, solid-core Red Oak doors, 6-inch-thick walls, and predominantly LED lighting. The outdoor spaces are just as impressive, with a screened porch, expansive decks, a 25' x 25' attached carport, and a dedicated wildlife observation deck overlooking the natural surroundings.
A 17' x 30' pole barn provides additional room for equipment, recreational vehicles, hobbies, or workshop space. Whether you're looking for a full-time home, weekend escape, hunting property, or private recreational retreat, this property offers a unique opportunity to enjoy a beautifully crafted home in a peaceful natural setting. Recently appraised and offered below the appraised value.
Final acreage is approximately 6-7 acres and is subject to the final survey.
Description provided by Hammock Realty North Georgia and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $495,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1988 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 67 active listings competing, 24 under contract
For reference, this home is listed at $495,000 ($198/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,502 sq ft × $174–$222/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Similar homes for sale near None
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Hammock Realty North Georgia · MLS # 10840902
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Recent sales activity in None
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the None neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on None
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Stephens County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 3014 Prather Bridge Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Stephens County; age of roof and any prior claims affect the premium.
- Listed living area is 2,502 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,198/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 9, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 9, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3014 Prather Bridge Road and when was it built?
Per the listing record, 3014 Prather Bridge Road was built in 1988 and has 2,502 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3014 Prather Bridge Road in?
3014 Prather Bridge Road is in None in Toccoa, Stephens County. The community section on this page shows recent closed sales, days on market, and active inventory for None from the same MLS data.
Does 3014 Prather Bridge Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
How are property taxes on 3014 Prather Bridge Road estimated?
The estimate on this page (about $5,198 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.
Is 3014 Prather Bridge Road in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.