Upland Terrace
Homes for Sale in Toccoa, GA
All 42 homes for sale in Toccoa, GA · median $357,500 · 111 homes for sale in 30577
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Stephen P Caudell, Hammock Realty North Georgia · via Georgia MLS
As of September 2026, Upland Terrace in Toccoa, GA has 1 home for sale. As of September 2026, the MLS records 5 closed sales in Upland Terrace in Toccoa, GA since 2023, the most recent in February 2026. Across Toccoa as a whole, 41 homes closed in the last 12 months at a median of $338,900, 136 median days on market, with 25 homes for sale today. At that median and Stephens County's 2025 rate of 23.88 mills, annual property tax runs about $3,240.
Upland Terrace does not have enough current MLS activity to support a hard read on pricing or pace right now. That absence of data is itself the useful signal: this is a low-turnover pocket of Toccoa, and buyers should expect to wait for the right listing rather than choose from a running slate of comparable homes.
With no community amenities identified in current listings, whatever appeal this community holds comes down to the individual home and its lot rather than a shared amenity package. That puts more weight on a direct inspection of condition, land, and setting for any specific address than on neighborhood-wide comps.
Upland Terrace right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Georgia MLS records, as of September 20, 2026. Confidence: Low (1 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 23, 2026 · Live data: Georgia MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Upland Terrace sits in Stephens County within Toccoa, an area of north Georgia where the current MLS feed shows no dedicated community amenities tied to this address.
Georgia MLS sales records identify 5 homes in Upland Terrace that have changed hands since 2023, built between 1938 and 1986 (median 1952), with a median living area of about 2,268 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are single-family homes. Source: Georgia MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community. Georgia has no statewide parcel roll comparable to Florida’s DOR file, so ownership and homestead shares are not shown.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Upland Terrace. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Upland Terrace
Upland Terrace
Upland TerracePhotos from Georgia MLS listings in Upland Terrace; content deemed reliable but not guaranteed.
Who Upland Terrace is best for.
Best for
- Prioritizing a Toccoa address over access to community amenities.
- Willing to evaluate a home largely on its own condition and lot rather than neighborhood comps.
- Comfortable moving forward with limited current market data to benchmark against.
Probably not for
- Needing on-site amenities as part of the purchase decision.
- Wanting a wide selection of comparable active listings before making a decision.
- Relying on recent, robust sales data to set a firm price expectation.
The market around Upland Terrace
Upland Terrace is too small for its own price trend, so here is the market around it.
In ZIP 30577, 130 homes are on the market and 16% are under contract — a slower corner of Toccoa.
Across Stephens County, 131 homes are active and 28 pending (18% under contract).
In ZIP 30577 (Toccoa), 41 homes closed in the last 12 months at a median of $339K ($169/sq ft), down 3.5% year over year, with a median 125 days on market. Right now 31 active and 5 pending listings put supply at about 8.1 months — a soft market. See the live ZIP 30577 housing market.
ZIP and county figures describe the wider market, not Upland Terrace specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Upland Terrace, Toccoa
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Upland Terrace
Live MLS inventory for Upland Terrace. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Upland Terrace listings as of 2026-09-22, priced high to low. Listing data © 2026 Georgia MLS (GAMLS). Information is deemed reliable but is not guaranteed. 
Tap any home to ask about it.
Every Home for Sale in Upland Terrace Right Now (1)
All 1 active and pending Upland Terrace listings with a detail page, newest first, refreshed twice a day from the MLS.
- 760 E Tugalo Street · $688,000 · 5 bd / 3 ba · listed Jun 23, 2026 · listed by Hammock Realty North Georgia
Schools
- Stephens County School System
- Verify the zoned schools by address
- Magnet and choice options may be available
Stephens County School System posted a 96.1% four-year graduation rate and 3,708 students across 6 schools in 2024-25 (Governor’s Office of Student Achievement).
- Toccoa · Elementary
- Stephens · Middle
- Stephens · High
District figures are official Georgia (GOSA) 2024-25 data. Zoned schools reflect the assignments reported on recent Upland Terrace listings and can change; always confirm with the Stephens County School System for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Upland Terrace address.
Shop the zone: Homes zoned for Stephens High School
The Upland Terrace buying strategy.
If we were buying in Upland Terrace today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Upland Terrace.
A Quiet Corner of Stephens County
There is not an active enough listing history in Upland Terrace to characterize typical home style, lot size, or price movement with confidence. What can be said is that it falls under Stephens County and the city of Toccoa, placing it within that broader north Georgia market rather than a metro corridor with heavier resale volume.
Because no amenities are attached to the community in the current feed, any evaluation of Upland Terrace should be treated as a single-property exercise. A buyer's due diligence here is less about neighborhood trend lines and more about verifying the specific home, its lot, and its immediate surroundings in Toccoa.
The location and the amenities are priced into every listing in Upland Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little current MLS volume, the value we add is knowing how to source and vet a listing the moment it surfaces, rather than relying on a stale set of comps. We will tell you plainly when there is not enough market data to price a home with confidence, and what additional steps make sense before you commit.
Upland Terrace in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Upland Terrace buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Upland Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Upland Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Upland Terrace home worth?
Get a no-obligation home value based on real comparable sales in Upland Terrace, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Toccoa →
15% of homes for sale in ZIP 30577 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-23).
Frequently Asked Questions
Is Upland Terrace a buyer's or seller's market right now?
Who is the best real estate agent for Upland Terrace?
How do I find a top Toccoa real estate agent who knows Upland Terrace?
Can Momentum Realty connect me with an agent for Upland Terrace?
Where is Upland Terrace, and what county is it in?
Should you buy in Upland Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Georgia MLS, refreshed twice daily (last: September 22, 2026) |
| Under-contract shares | Georgia MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2023 (5 transactions analyzed) |
Verify the primary sources yourself: Georgia DOR · U.S. Census · FEMA flood maps.
Momentum Research figures are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum will price yours against live local comps — a real number, not an algorithm’s guess.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Upland Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
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