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Stephens County, Georgia VA Property Information

2021 $0 down, VA home loan limit for Stephens County is $548,250.stephens county final

Located in the Foothills Mountains of Northern Georgia, Stephens County is the perfect place for those looking for the quiet mountain life. Stephens County was created on August 18, 1905, by the Georgia General Assembly. From the lush forests to the majestic mountains, Stephens County provides some of the best views in Georgia. The county was named after former Governor of Georgia, Alexander Stephens and encompasses a total surface area of 184 square miles. The total population is 25,480, including a veteran population of 1,844.

The last mountain in the massive Blue Ridge Mountains chain, Currahee Mountain, stands in Stephens County. The mountain stands at a height of 900 feet and makes for excellent hiking and camping opportunities. There is a hiking trail for all skill levels on Currahee Mountain. You are sure to see spectacular views of Stephens County from one of these hiking trails. Horseback riding, mountain biking, and exploring one of the many caves are all popular activities at Currahee Mountain.

Panther Creek is another beautiful location to enjoy the outdoors in Stephens County. Panther Creek Trail is a popular hiking and walking trail that passes several cascades, which includes Panther Creek Falls. Along the trail is a plunge pool, perfect for those hot summer days! Panther Creek Trail is a great place to go camping, or just to have a day out and enjoy nature. Many diverse plant and animal species can be seen along the Panther Creek Trail.

Golf and tennis are favorite activities of the residents of Stephens County, because of the many opportunities for it! Henderson Falls Park has five tennis courts and all the amenities you need for a good tennis match. Other great places to play tennis in Stephens County include the Georgia Baptist Conference Center and Roselane Park. The Currahee Club is a great place to go golfing. The club features an 18-hole course and many amenities. The Pines is another great location for golfing in Stephens County.

For those interested in continuing their education, there are several higher education options in Stephens County. Toccoa Falls College, for example, is a nonprofit college that offers 25 majors and 38 minors. North Georgia Technical College is great for those looking to join the workforce soon. Offering several associate degree programs and night classes, North Georgia Tech is perfect for those who don’t have much free time, but want to continue their education. Veterans looking to return to school can apply for the GI Bill benefit.

There is a Veterans Service Office and several other veteran resources located near Stephens County. Disabled veterans living in Georgia may be eligible for property tax exemption. The median household income is $37,898, and the median housing cost is $106,600.

Take the First Step to Buying a Great Home

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Stephens County Property Search

Search for VA-approved properties in the following areas:

Avalon, Eastanollee, Martin, Toccoa

Let VA Home Loan Centers help you find a VA-approved property in Stephens County.

Stephens County Condo Search

There are not currently any VA-approved condos located in Stephens County. Obtain VA condo approval with VA Home Loan Centers.

VFW Post

Post 4346 Leon Williams Post
PO Box 644
Toccoa, GA 30577
United States
Phone: (706) 886-2283

Meeting Location & Time
270 W Savannah St
Toccoa, GA 30577-1665
United States
5:00 PM 2nd Friday

Quartermaster: Michelle Dyer
Joseph Pogue

Maximum VA Appraisal Fees Allowable in Stephens County

  • Single Family: $400
  • Condominium: $450
  • 2-4 Units: $550
  • Partial Releases: $450
  • Repair Certification: $100


  1. Georgia VA Loan Information: https://www.vahomeloancenters.org/georgia-va-home-loan-limit/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/