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834 Lower Bell Creek Rd, Hiawassee, GA, 30546

14beds
11baths
9,400sqft
$3,399,900
$362price/sqft
$21,765/moest. monthly cost
$870,600/yrincome needed

About This Home

Exceptional turnkey investment opportunity on the shores of beautiful Lake Chatuge in the scenic North Georgia Mountains. This stunning lakefront resort was completely renovated in 2022-2023 and features seven beautifully decorated and fully furnished cabins, offering a range of accommodations from cozy one-bedroom retreats to spacious three-bedroom cabins, perfectly suited for couples, families, and group getaways. A pontoon boat will also convey to the new owner, adding even more value and immediate enjoyment of the lake lifestyle. The property boasts over 600 feet of pristine lake frontage tucked into a private, peaceful cove with gorgeous long-range mountain views in every direction. Guests will love the private two-slip, double-decker boat dock, complete with a swim area, making it ideal for enjoying everything the lake lifestyle has to offer. The resort provides endless recreational opportunities, including kayaking, paddle boarding, and lakeside relaxation, along with a playground area for families. A charming on-site caf and market offers groceries, freshly brewed coffee, and convenience items, adding to the guest experience and potential revenue. Situated on a gentle, level property with easy access to the water, the resort is located just five minutes from downtown Hiawassee, where guests can enjoy shopping, dining, and local attractions. Fully furnished and turnkey, this thriving lakefront resort offers a rare opportunity to step into a ready-to-operate hospitality property in one of North Georgia's most desirable mountain-lake destinations.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

6/10
8/10
7/10
Towns County High SchoolGrades 9-123.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1994

Materials

  • Roof: Shingle
  • Construction materials: Frame,Wood Siding,Brick,Stone,Composite

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Modern
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Microwave,Dishwasher,Washer,Dryer,Electric Water Heater
  • Laundry features: Main Level,Mud Room,Laundry Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 14
  • Bathrooms: 11
  • Full bathrooms: 9
  • Partial bathrooms: 2
  • Main level bedrooms: 9

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Eat-in Kitchen,High Speed Internet
  • Window features: Insulated Windows,Vinyl,Screens
  • Flooring: Tile,Luxury Vinyl
  • Number of fireplaces: 6
  • Fireplace features: Vented,Ventless,Gas Log,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump,Electric,Wood,Mini-Split,Propane
  • Cooling features: Central Air,Electric,Heat Pump,Mini-Split

Interior Area

  • Total structure area: 9,400
  • Total interior livable area: 9,400 sqft

Master Bedroom

  • Level: Main,Upper

Property

Details

  • Parcel number: 0041C014

Features

  • Levels: One,Two
  • Stories: 2
  • Patio & porch: Screened,Front Porch,Deck,Covered,Patio,Open
  • Exterior features: Storage,Private Yard,Fire Pit,Dock
  • Has view: Yes
  • View description: Mountain(s),Year Round,Lake,Long Range
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Waterbody name: Chatuge
  • Frontage type: Lakefront
  • Topography of land: Level,Sloping

Lot

  • Lot size: 2.67 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Driveway,Gravel
  • 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 $17,191$206,292
Home Insurance *$1,054$12,648
Property Taxes $2,607$31,284
Electricity $913$10,959
Total$21,765$261,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$746,228/yr
40% on housing$652,950/yr
45% on housing$580,400/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

$362This listing

vs Other Active Listings

Avg $/sqft

ZIP 30546$219
Towns County$208

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
2026-05-21Price change$3,399,900
2026-03-18Listed for sale$3,499,900
2025-12-01Listing removed$3,498,800
2025-09-12Price change$3,498,800
2025-06-20Listed for sale$3,750,000
2025-01-16Listing removed$4,495,000
2024-09-19Price change$4,495,000
2024-08-13Price change$4,800,000
2024-06-02Listed for sale$4,950,000
2024-03-30Listing removed$4,950,000
2024-03-01Price change$4,950,000
2023-09-30Listed for sale$4,995,000
2021-10-19Sold$1,450,000
2021-08-21Pending sale$1,500,000
2021-08-03Listed for sale$1,500,000
2021-07-05Pending sale$1,500,000
2021-02-26Listed for sale$1,500,000
2021-02-10Pending sale$1,500,000
2021-01-09Listed for sale$1,500,000
2020-01-02Listing removed$1,250,000
2018-11-19Listed for sale$1,250,000
2015-11-30Sold$875,000
2015-07-31Price change$999,999
2015-04-25Listed for sale$1,099,000
2014-12-31Listing removed$1,299,000

For Sale by Agent

AgentKelly Shuler
BrokerageColdwell Banker High Country Realty - Blairsville

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