Located on 197 Howard Road in Toccoa, this 4-BR, 2-BA home is not part of a subdivision and comes without mandatory HOA fees. Inside, the home offers 1,904 square feet of finished living space, giving plenty of room for everyday living and easy entertaining. A bright, open kitchen offers generous workspace, storage, and a direct view into the main gathering spaces. A central family room and dining area provide a welcoming place to unwind, gather, and enjoy time together. Outside, the property offers approximately 1.98 acres, giving ample room to relax, play, or plan future outdoor projects. With parking available, the home provides flexible options for families and visitors. Located in Toccoa but outside a traditional subdivision, this home combines neighborhood convenience with a non HOA setting. With approximately 166 days on the market, this home is well positioned for the next owner. At $199,900, this home is well positioned for buyers seeking value in Toccoa.