See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

524 Payne Chapel Rd, Lookout Mountain, GA, 30750

6beds
5baths
5,008sqft
$1,500,000
$300price/sqft
$10,845/moest. monthly cost
$433,800/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
4/10
Ridgeland High SchoolGrades 9-125.4 mi

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
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Tropical Storm

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

MonthlyAnnual
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
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$371,828/yr
40% on housing$325,350/yr
45% on housing$289,200/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

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.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 30750$258
Walker County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 30750
Walker County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-05Listed for sale$1,500,000
2013-08-02Listing removed$499,000
2013-04-29Sold$475,000
2013-02-25Price change$499,000
2012-11-16Price change$574,000
2012-10-24Price change$549,400
2012-10-17Price change$549,900
2012-08-23Price change$575,000
2012-07-31Price change$598,500
2012-07-07Price change$599,000
2012-06-14Price change$623,400
2012-06-06Price change$623,900
2012-05-17Price change$624,400
2012-04-14Listed for sale$624,900

For Sale by Agent

AgentKatherine P Smith
BrokerageKeller Williams Realty

Similar Homes