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Residential (General/Single)Residential
$199,900
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $85,928 on Nov 5, 1997

197 HOWARD RD

TOCCOA, GA 30577
0
Baths
1.98 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$200K
$182K low$218K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$85,928 · Nov 5, 1997

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$142 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$5,188 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,188
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,188
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$12,971

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyStephens
Lot (acres)The size of the land the home sits on, from county records.1.98
HeatingThe type of heating system in the home.None

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Stephens County High SchoolB-
High · Grades 9–12 · 3.9 mi
M
Stephens County Middle SchoolC+
Middle · Grades 6–8 · 4.3 mi
E
Liberty Elementary School
Elementary · Grades 1–2 · 5.4 mi

District: Stephens County School District

Neighborhood · ZIP 30577These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.78

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.22,510
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.144 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,385
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,564
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

197 Howard Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a bigger lot than 69% of homes in Toccoa 30577

What homes are worth in Toccoa 30577

Each bar is how many homes fall in that price range. The marker is this home.

This home
$37K$732K

This home is worth more than 45% of homes in Toccoa 30577.

How it measures up in Toccoa 30577

The dot is this home. The mark in the middle is the typical home in Toccoa 30577.

Estimated value$199,900
CheaperTypical $214,306Pricier

Pricier than 45% of homes nearby

Lot size1.98 ac
SmallerTypical 0.96 acBigger

Bigger than 69% of homes nearby

How 197 Howard Rd ranks against every home in each area.
MeasureThis homeToccoa 30577Stephens County
Estimated valuepricier than$199,90045% of homes45% of homes
Lot sizebigger than1.98 ac69% of homes69% of homes

About 197 Howard Rd

How much is 197 Howard Rd, Toccoa, GA worth?

The TopHap Estimate for 197 Howard Rd, Toccoa, GA is $199,900 as of Sep 24, 2026. The likely range is $182,191 to $217,609. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 197 Howard Rd, Toccoa, GA last sell?

197 Howard Rd, Toccoa, GA last sold on Nov 5, 1997 for $85,928, according to the county's recorded deed.

What schools serve 197 Howard Rd, Toccoa, GA?

197 Howard Rd, Toccoa, GA is assigned to Stephens County High School (high), rated B-; Stephens County Middle School (middle), rated C+; Liberty Elementary School (elementary). All sit in Stephens County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 197 Howard Rd, Toccoa, GA compare to other homes in Toccoa 30577?

Among the 8,873 homes in Toccoa 30577, it is worth more than 45% of them ($199,900 against a typical $214,306) and its lot is bigger than 69% of them (1.98 ac against a typical 0.96 ac). Measured against all of Stephens County, it is worth more than 45% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 197 Howard Rd, Toccoa, GA?

The 2025 property tax bill for 197 Howard Rd, Toccoa, GA was $142. The county assessed it at $5,188.

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Assigned schools

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