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703 Cherokee Hls, Hiawassee, GA, 30546

4beds
4baths
4,418sqft
$2,500,000
$566price/sqft
$15,734/moest. monthly cost
$629,360/yrincome needed

About This Home

Wake up to the soft glow of the morning sun over the lake, with long-range mountain views stretching beyond the water, this North Georgia Chatuge lakefront home is designed to capture the beauty of its surroundings from the moment you walk in. Thoughtfully positioned to take full advantage of the setting, multiple rooms feature large sliding glass doors that open toward the lake, creating an easy flow between indoor and outdoor living. Natural light pours through the main level, where vaulted ceilings, custom millwork, and a wall of windows frame the ever-changing landscape. The kitchen sits at the heart of the home, complete with stainless steel appliances, a gas stove, walk-in pantry, and inviting dining spaces, including a cozy window seat overlooking the water. Just beyond, the living area opens to a covered deck, offering the perfect place to relax and take in the view. The owner's suite provides a peaceful retreat with private deck access and a spacious bath featuring a walk-in shower, steam shower, and generous closet space. A powder room, laundry, and attached two-car garage complete the main level. Downstairs, the terrace level invites gathering and entertaining with a second living area, fireplace, wine bar, and access to a covered patio with a built-in grilling station. Two guest suites and a flexible bonus room offer space for guests or a home office. A gentle walkway leads to the private dock, where days can be spent enjoying the water and quiet lake lifestyle.Offered beautifully furnished with high-end, designer-quality pieces that complement the home's style, along with plantation shutters, wood and tile flooring, irrigation, and ample storage, this is a home designed to be experienced, not just seen!

Getting Around

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

Schools

6/10
8/10
7/10
Towns County High SchoolGrades 9-124.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2001

Materials

  • Roof: Shingle
  • Construction materials: Frame,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Craftsman
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Dishwasher,Tankless Water Heater,Gas Water Heater
  • Laundry features: Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • Partial bathrooms: 1
  • Main level bedrooms: 1

Features

  • Pantry,Wet Bar,Cathedral Ceiling(s),Sheetrock,See Remarks,Entrance Foyer,Eat-in Kitchen
  • Window features: Vinyl
  • Flooring: Wood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Gas Log,See Remarks
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,418
  • Total interior livable area: 4,418 sqft

Master Bedroom

  • Level: Main,Lower

Property

Details

  • Parcel number: 0028B043

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Dock
  • Has view: Yes
  • View description: Mountain(s),Year Round,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Waterbody name: Chatuge,Chatuge
  • Frontage type: Lakefront
  • Topography of land: Level,Sloping

Lot

  • Lot size: 0.67 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Driveway,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Drought
Ice Storm
Landslide
Strong Wind

FEMA Declared Disasters Across Georgia Counties

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 $12,641$151,692
Home Insurance *$775$9,300
Property Taxes $1,889$22,668
Electricity $429$5,150
Total$15,734$188,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$539,451/yr
40% on housing$472,020/yr
45% on housing$419,573/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -7.7%
-7.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$566This listing

vs Other Active Listings

Avg $/sqft

ZIP 30546$213
Towns County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 30546
Towns County$212

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-23Listed for sale$2,795,000
2025-11-05Listing removed$3,250,000
2025-05-01Listed for sale$3,250,000
2021-09-08Sold$1,924,908
2021-08-09Pending sale$2,100,000
2021-08-06Contingent$2,100,000
2021-08-01Listed for sale$2,100,000

For Sale by Agent

AgentThe Mountain Life Team
BrokerageKeller Williams Elevate

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