




524 Payne Chapel Rd, Lookout Mountain, GA, 30750
About This Home
Modern luxury meets homestead charm on Lookout Mountain. Experience the rare intersection of refined elegance and self-sufficient country living at 524 Payne Chapel Road. Nestled on approximately 6.65 private acres atop scenic Lookout Mountain in Walker County, GA, this ~5,008 square foot modern farmhouse is a masterclass in thoughtful design. Whether you envision a quiet mountain retreat or a thriving homestead, this estate offers an elevated lifestyle just 20 minutes from the heart of Chattanooga. From the clean white exterior and galvanized steel roof to the inviting wrap-around porch, the home is built to impress, while inside much of the woodwork tells a story of the land itself--custom-milled from hardwoods harvested directly from the property. The main level features an inviting foyer, a private office with built-ins, and a stunning great room anchored by a stacked-stone, high-efficiency wood-burning fireplace. The gourmet kitchen is designed for the culinary enthusiast with granite countertops, a center island with prep sink, a professional-grade Wolf range, and a large walk-in pantry. The primary suite offers a main-level sanctuary with dual walk-in closets and a spa-like bath featuring a tiled shower and classic clawfoot tub. Upstairs, the second level provides a central living area surrounded by four bedrooms, two baths, and a bonus office, while the third level opens into a massive recreation space ideal for a theater, playroom, or flexible living. A private in-law suite over the garage, with separate access through the mudroom, includes a kitchenette and full bath, offering ideal accommodations for guests or multi-generational living. Outside, the 6.65-acre property is thoughtfully designed for both productivity and enjoyment, featuring a fenced raised-bed garden with pergola, a dedicated plumbed greenhouse, a fully equipped ''luxury'' chicken coop with electricity, and a substantial 22' x 32' detached outbuilding with its own 200-amp service. Enjoy the mountain setting from the wrap-around porch, rear covered deck, or custom treehouse, all while benefiting from modern comforts including hardwood and tile flooring throughout, sound system wiring, intercoms, a functional mudroom with utility sink, durable Hardi-plank siding, and ample walk-out storage. The home is serviced by a 1,000-gallon owned propane tank (with substantial fuel remaining), includes a propane hookup for a generator near the electrical panel (generator not included unless negotiated), and offers the convenience of EPB electric and fiber internet. Offering peaceful Georgia mountain living with convenient access to top schools, shopping, hospitals, and the Chattanooga Airport, this is a rare opportunity to own a property that truly has it all.
Getting Around
Schools
Construction
Condition
- Year built: 2009
Materials
- Foundation: Block,Concrete Perimeter
- Roof: Metal
- Construction materials: Stone,Fiber Cement
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Dishwasher,Electric Water Heater,Free-Standing Electric Range,Ice Maker,Oven,Refrigerator,Range Hood,Washer/Dryer
- Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Features
- Bar,Built-in Features,Bookcases,Ceiling Fan(s),Double Vanity,Entrance Foyer,Eat-in Kitchen,High Ceilings,High Speed Internet,In-Law Floorplan,Kitchen Island,Open Floorplan,Pantry,Primary Downstairs,Recessed Lighting,Sound System,Stone Counters,Wet Bar,Walk-In Closet(s),Separate Shower,Tub/shower Combo,En Suite,Sitting Area,Separate Dining Room,Split Bedrooms
- Window features: Insulated Windows
- Flooring: Hardwood,Tile
- Number of fireplaces: 1
- Fireplace features: Great Room,Wood Burning
- Fireplace: Yes
- Finished area above ground: 5,008
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric,Multi Units
Interior Area
- Total structure area: 5,008
- Total interior livable area: 5,008 sqft
Property
Details
- Parcel number: 0005 018
- Other equipment: Intercom
Features
- Stories: 45
- Pool features: None
- Patio & porch: Covered,Deck,Patio,Porch,Porch - Covered
- Exterior features: Garden,Lighting,Other,Private Yard,Rain Gutters,Storage
- Fencing: Gate
Lot
- Lot size: 6.65 Acres
- Features: Gentle Sloping,Level,Private,Sloped,Wooded
- Lot size dimensions: Irregular
Parking
- Total spaces: 2
- Parking features: Garage Door Opener,Gravel,Paved,Kitchen Level
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Tornado
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $7,584 | $91,008 |
| Home Insurance * | $285 | $3,420 |
| Property Taxes | $2,490 | $29,880 |
| Electricity | $486 | $5,838 |
| Total | $10,845 | $130,140 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-05 | Listed for sale | $1,500,000 |
| 2013-08-02 | Listing removed | $499,000 |
| 2013-04-29 | Sold | $475,000 |
| 2013-02-25 | Price change | $499,000 |
| 2012-11-16 | Price change | $574,000 |
| 2012-10-24 | Price change | $549,400 |
| 2012-10-17 | Price change | $549,900 |
| 2012-08-23 | Price change | $575,000 |
| 2012-07-31 | Price change | $598,500 |
| 2012-07-07 | Price change | $599,000 |
| 2012-06-14 | Price change | $623,400 |
| 2012-06-06 | Price change | $623,900 |
| 2012-05-17 | Price change | $624,400 |
| 2012-04-14 | Listed for sale | $624,900 |
