# 324 Fern Valley Drive, Toccoa, GA 30577 > **TL;DR:** 3bd/4ba single family, $439,000 ($223/sqft), built 2026, 1,966 sqft. > Fireplace, Waterfront, A/C. Est. $2,348/mo. Listed 28 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $439,000 | | Price/sqft | $223 | | Bedrooms | 3 | | Bathrooms | 3 full, 1 half | | Square Feet | 1,966 | | Year Built | 2026 | | Lot Size | 29,185 sqft (0.67 acres) | | Stories | 1 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 28 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,220 | | Estimated Insurance | $128 | | **Total** | **$2,348** | ## Nearby Schools - **Elementary:** Big A - **Middle:** Stephens - **High:** Stephens ## Key Amenities - Fireplace - Waterfront - A/C ## Property Highlights - Built in 2026 - 0.67 acre lot - Fireplace - Waterfront ## Description ### Agent Description New Construction! Enjoy the perfect blend of quality craftsmanship and modern design in this beautiful new construction home, conveniently located just minutes from town. Featuring an open-concept layout with a desirable split-bedroom floor plan, this home offers both comfort and privacy. Each bedroom features its own private bathroom, making this home ideal for families, guests, or anyone looking for added convenience and privacy. The spacious living room boasts a vaulted ceiling and a cozy fireplace, flowing seamlessly into the kitchen, complete with a large center island, solid surface countertops, and abundant cabinetry-perfect for everyday living and entertaining. The owner's suite provides a relaxing retreat with a spa-inspired bath featuring a soaking tub, separate shower, double vanity, and a spacious walk-in closet. The two additional bedrooms each feature their own private full bathroom, while a convenient half bath is available for guests. Step outside to the covered back porch overlooking a peaceful, private creek, creating the perfect setting for morning coffee or evening relaxation. Situated on a level lot, this home also includes a large two-car garage with plenty of storage space. Don't miss the opportunity to own this exceptional new home in a fantastic location with the rare convenience of a private bathroom for every bedroom. ## Location - **Address:** 324 Fern Valley Drive, Toccoa, GA 30577 - **County:** Stephens - **Neighborhood:** Fern Valley - **Coordinates:** 34.579406, -83.296888 - **Google Maps:** https://www.google.com/maps?q=34.579406,-83.296888 ## Virtual Tour & Media - **Video Tour:** https://view.stanleyremedia.com/order/acfb3d14-f68f-47a8-396b-08df1d7242cc?version=3_024&branding=true ## Listing Agent - **Name:** Stephen P Caudell - **Brokerage:** Hammock Realty North Georgia - **Broker Phone:** (706) 491-0325 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/324-Fern-Valley-Dr_Toccoa_GA_30577_M69401-83371?f=listhub&s=GAMLS&m=10857198&c=propsimple) ## Photos ![324 Fern Valley Drive - Photo 1](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2690859221r.jpg) ![324 Fern Valley Drive - Photo 2](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2127400096r.jpg) ![324 Fern Valley Drive - Photo 3](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1952390158r.jpg) ![324 Fern Valley Drive - Photo 4](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f981749327r.jpg) ![324 Fern Valley Drive - Photo 5](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1322131320r.jpg) ![324 Fern Valley Drive - Photo 6](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2659787614r.jpg) ![324 Fern Valley Drive - Photo 7](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f645863630r.jpg) ![324 Fern Valley Drive - Photo 8](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2659787614r.jpg) ![324 Fern Valley Drive - Photo 9](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2589452243r.jpg) ![324 Fern Valley Drive - Photo 10](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f4044766840r.jpg) ![324 Fern Valley Drive - Photo 11](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f4238818411r.jpg) ![324 Fern Valley Drive - Photo 12](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2315233426r.jpg) ![324 Fern Valley Drive - Photo 13](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f4056803846r.jpg) ![324 Fern Valley Drive - Photo 14](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f820409969r.jpg) ![324 Fern Valley Drive - Photo 15](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f124549286r.jpg) ![324 Fern Valley Drive - Photo 16](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1776143329r.jpg) ![324 Fern Valley Drive - Photo 17](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f38323991r.jpg) ![324 Fern Valley Drive - Photo 18](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f882145660r.jpg) ![324 Fern Valley Drive - Photo 19](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1683431269r.jpg) ![324 Fern Valley Drive - Photo 20](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3983551920r.jpg) ![324 Fern Valley Drive - Photo 21](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1769895315r.jpg) ![324 Fern Valley Drive - Photo 22](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f490412414r.jpg) ![324 Fern Valley Drive - Photo 23](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1660214456r.jpg) ![324 Fern Valley Drive - Photo 24](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1365991395r.jpg) ![324 Fern Valley Drive - Photo 25](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1192197370r.jpg) ![324 Fern Valley Drive - Photo 26](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1264354845r.jpg) ![324 Fern Valley Drive - Photo 27](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2313725259r.jpg) ![324 Fern Valley Drive - Photo 28](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f164781422r.jpg) ![324 Fern Valley Drive - Photo 29](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3078439349r.jpg) ![324 Fern Valley Drive - Photo 30](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3088688999r.jpg) ![324 Fern Valley Drive - Photo 31](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1902037102r.jpg) ![324 Fern Valley Drive - Photo 32](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1613808083r.jpg) ![324 Fern Valley Drive - Photo 33](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3239107055r.jpg) ![324 Fern Valley Drive - Photo 34](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3651766128r.jpg) ![324 Fern Valley Drive - Photo 35](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f268581326r.jpg) ![324 Fern Valley Drive - Photo 36](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3014689789r.jpg) ![324 Fern Valley Drive - Photo 37](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3646365660r.jpg) ![324 Fern Valley Drive - Photo 38](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f974631484r.jpg) ![324 Fern Valley Drive - Photo 39](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3604884553r.jpg) ![324 Fern Valley Drive - Photo 40](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1567664996r.jpg) ![324 Fern Valley Drive - Photo 41](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f316982719r.jpg) ![324 Fern Valley Drive - Photo 42](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3159579630r.jpg) ![324 Fern Valley Drive - Photo 43](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3571789844r.jpg) ![324 Fern Valley Drive - Photo 44](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f981749327r.jpg) ![324 Fern Valley Drive - Photo 45](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1269973925r.jpg) ![324 Fern Valley Drive - Photo 46](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3297003269r.jpg) ![324 Fern Valley Drive - Photo 47](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1003407708r.jpg) ![324 Fern Valley Drive - Photo 48](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f1159101010r.jpg) ![324 Fern Valley Drive - Photo 49](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2041570179r.jpg) ![324 Fern Valley Drive - Photo 50](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2742618296r.jpg) ![324 Fern Valley Drive - Photo 51](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f3437289078r.jpg) ![324 Fern Valley Drive - Photo 52](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f568724695r.jpg) ![324 Fern Valley Drive - Photo 53](http://lh.rdcpix.com/a2235a0d9c261eadf04473b934363ee1l-f2974063327r.jpg) --- **MLS#:** 10857198 | **Updated:** 2026-10-25 **Source:** listhub *Copyright © 2026 Georgia Multiple Listing Service. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/324-fern-valley-drive-toccoa-ga-30577-d904b981edea4529ae284561cf042ce4) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/324-fern-valley-drive-toccoa-ga-30577-d904b981edea4529ae284561cf042ce4#listing", "url": "https://staging.propertysimple.ai/listing/324-fern-valley-drive-toccoa-ga-30577-d904b981edea4529ae284561cf042ce4", "name": "324 Fern Valley Drive, Toccoa, GA 30577", "description": "New Construction! Enjoy the perfect blend of quality craftsmanship and modern design in this beautiful new construction home, conveniently located just minutes from town. Featuring an open-concept layout with a desirable split-bedroom floor plan, this home offers both comfort and privacy. Each bedroom features its own private bathroom, making this home ideal for families, guests, or anyone looking for added convenience and privacy. The spacious living room boasts a vaulted ceiling and a cozy fireplace, flowing seamlessly into the kitchen, complete with a large center island, solid surface countertops, and abundant cabinetry-perfect for everyday living and entertaining. The owner's suite provides a relaxing retreat with a spa-inspired bath featuring a soaking tub, separate shower, double vanity, and a spacious walk-in closet. The two additional bedrooms each feature their own private full bathroom, while a convenient half bath is available for guests. Step outside to the covered back porch overlooking a peaceful, private creek, creating the perfect setting for morning coffee or evening relaxation. 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