Welcome to your own slice of North Georgia paradise! Nestled on 9.71 lush acres, 445 McMurray Lake Rd in Toccoa offers the rare opportunity to own a private lakefront property surrounded by nature's finest. This one-of-a-kind retreat features a serene spring fed private lake, peaceful walking trails, and over 100 varieties of native Georgia plants and trees, creating a botanical sanctuary just minutes from town. You'll find blackberries, blueberries, crab apples, persimmons, grapes, wild blueberries, pawpaw's, fig, elderberries, muscadines, and more! The 3 bedroom, 2 bath home offers comfortable living with tranquil lake views and plenty of natural light. Step outside to explore the craft cottage, potting shed, and large workshop - perfect for hobbyists, gardeners, or anyone seeking a creative escape. Bonus - there is an office space inside the home just off the kitchen. The detached shop is heated and cooled and is 24x30 with a 10x9 roll up door and a half bath in the shop with a temperature-controlled storage loft. RV Pad with electrical 30 & 50 amp and sewer hookups. The craft cottage is heated and cooled as well and is the cutest space to get creative! Located in the heart of Stephens County, just a short drive to downtown Toccoa, Lake Hartwell, and the scenic foothills of the Appalachian Mountains, this property blends privacy and convenience in a way that's hard to find. If you've been dreaming of a lakefront home in the North Georgia mountains, this is your chance to make it a reality. Schedule your private showing today and experience the unmatched beauty!
Retreat to this private waterfront home with 5+/- Acres. Its the perfect spot to unwind and enjoy fishing, riding atv's, hiking, paddle boarding, boating, your very own covered bridge and more. The house is a 3 bedroom / 2 full bathrooms with open living/dining and kitchen. A wrap around porch is the perfect entry for the cozy cabin with wood walls and vaulted ceiling. Updated kitchen with stainless appliances overlooks the dining room. The great room has a gas fireplace (propane). Outside you enjoy the secluded 10 acre lake stocked with fish. A detached workshop for your tools and fishing supplies and a covered bridge. Excellent condition. Map attached for agents of possible 5 acres. Up to 9+/- acres available total.
Year
Property tax
Land + Additions
Assessment*
2025
$1,342 (−4.5%)
$41,195 + $43,381
$84,576
2024
$1,405 (−27.0%)
$41,195 + $42,072
$83,267
2023
$1,927 (−20.6%)
$41,195 + $42,072
$83,267
2022
$2,426 (+2.2%)
$41,195 + $42,293
$83,488
2021
$2,374 (+105.1%)
$41,195 + $36,724
$77,919
2020
$1,157 (+93.7%)
$15,372 + $21,279
$36,651
2019
$597
$14,999 + $3,840
$18,839
2018
$598 (+23.8%)
$14,999 + $3,859
$18,858
2017
$483 (+1.7%)
$14,993
2016
$475 (−6.1%)
$14,993
2014
$506
$14,999
Tax history for 446 Mcmurray Lake Rd
Year
Property tax
Land + Additions
Assessment*
2025
$1,342 (−4.5%)
$41,195 + $43,381
$84,576
2024
$1,405 (−27.0%)
$41,195 + $42,072
$83,267
2023
$1,927 (−20.6%)
$41,195 + $42,072
$83,267
2022
$2,426 (+2.2%)
$41,195 + $42,293
$83,488
2021
$2,374 (+105.1%)
$41,195 + $36,724
$77,919
2020
$1,157 (+93.7%)
$15,372 + $21,279
$36,651
2019
$597
$14,999 + $3,840
$18,839
2018
$598 (+23.8%)
$14,999 + $3,859
$18,858
2017
$483 (+1.7%)
$14,993
2016
$475 (−6.1%)
$14,993
2014
$506
$14,999
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Beds
3
Baths
—
Stories
1
Lot width
—
Lot depth
—
Lot size
9.71 Acres
Year renovated
2018
Sq. Ft.
1,248
Year built
1992
Style
Mobile/Manufactured Home
County
Stephens County
APN
034 189
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 12, 2026.
Property details
Parking
Parking Information
Total Number Of Slips: 1
Parking Features: Side/Rear Entrance
Interior
Virtual Tour
Virtual Tour URL Branded: https://tour.getmytour.com/public/vtour/display/2323241#!/
Virtual Tour URL Unbranded: https://tour.getmytour.com/public/vtour/display/2323241?idx=1#!/
Bathroom Information
Bathrooms Total Integer: 2
Bathrooms Total Decimal: 2
Bathrooms Full: 2
Main Level Bathrooms: 2
Bedroom Information
Bedrooms Total: 3
Main Level Bedrooms: 3
Heating & Cooling
Has Heating
Heating: Central
Has Cooling
Cooling: Central Air
Interior Features
Interior Features: Tile Bath, Vaulted Ceiling(s)
Living Area: 1392
Living Area Units: Square Feet
Living Area Source: Public Records
Above Grade Finished Area: 1392
Above Grade Finished Area Units: Square Feet
Below Grade Finished Area: 0
Below Grade Finished Area Units: Square Feet
Levels: One
Appliances: Dishwasher
Laundry Features: Mud Room
Flooring: Tile
Has Fireplace
Fireplaces Total: 1
Fireplace Features: Family Room, Factory Built
Room Information
Basement: None
Room Types: Laundry, Office
Exterior
Exterior Features
Roof: Tin
Foundation Details: Pillar/Post/Pier
Construction Materials: Vinyl Siding
Window Features: Double Pane Windows
Property Information
Property Condition: Resale
Property Type: Residential
Property Sub Type: Manufactured Home, Single Family Residence
Electric On Property YN: Yes
Structure Type: Manufactured House
Other Structures: Workshop, Outbuilding
Land Information
Vegetation: Grassed, Partially Wooded
Lot Information
Is Waterfront
Has View
Lot Size Area: 9.71
Lot Size Units: Acres
Lot Size Square Feet: 422967.6
Lot Size Acres: 9.71
Lot Size Source: Public Records
Lot Features: Level, Sloped, Private
Frontage Type: Waterfront
Waterfront Features: Lake, Floating Dock, Creek
Water Body Name: Mcmurray Lake
Building Information
Year Built: 1992
Building Area Total: 1392
Building Area Units: Square Feet
Building Area Source: Public Records
Financial
Tax Information
Parcel Number: 034 189
Tax Annual Amount: 1468
Tax Year: 2024
Financial Information
Buyer Financing: Other
Utilities
Utility Information
Water Source: Public
Electric: 220 Volts
Sewer: Septic Tank
Utilities: Cable Available, Electricity Available, High Speed Internet, Phone Available, Water Available
Green Energy Efficient: Water Heater
Location
HOA Information
No
Association Fee: 0
Association Fee Includes: None
School Information
Elementary School: Liberty
Middle Or Junior School: Stephens County
High School: Stephens County
Bus Information
Es Bus Yn: Yes
Ms Bus Yn: Yes
Hs Bus Yn: Yes
Location Information
Unparsed Address: 446 Mcmurray Lake Road, Toccoa GA 30577
City: Toccoa
County Or Parish: Stephens
State Or Province: GA
PostalCode: 30577
Country: US
Subdivision Name: 0100 - PRIMARY - AC
Coordinates: -83.339057,34.509684
Directions: GPS works - dead ends in to property
Community Information
Community Features: Lake
Public facts
Beds: 3
Baths: —
Sq. Ft.: 1,248
Stories: 1.0
Lot Size: 9.71 acres
Style: Mobile/Manufactured Home
Year Built: 1992
Year Renovated: 2018
County: Stephens County
APN: 034 189
Home facts updated by county records on Oct 12, 2026