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2187 Big Pine Dr, Hiawassee, GA, 30546

3beds
5baths
0sqft
$525,000
--price/sqft
$3,334/moest. monthly cost
$133,360/yrincome needed

About This Home

Priced to Sell! On the River! This home offers an incredible opportunity to add your personal style and make it your own. With great bones and endless potential a few cosmetic updates will transform this property into something truly special. Whether you're a firs time buyer, investor, or someone looking to create your dream home, this is a value you won't want to miss. Wake up to spectacular river views, spend your days fishing world-class trout waters, and unwind each evening in the beauty and tranquility of the mountains.Welcome to this custom-built, one-owner riverfront retreat in the Hi River Country community. Perfectly positioned along the scenic banks of the Hiawassee River, this home offers an unparalleled blend of mountain charm, comfort, and waterfront living and isconveniently located close to Downtown Hiawassee, Helen, Harrah's Cherokee Casino, Bald Mountain, Lake Chatuge, and the Appalachian Trail. Through the sunroom access the back yard with a generous platform deck and Gazebo—an ideal setting for morning coffee, outdoor dining, or simply relaxing to the soothing sounds of flowing water. The level backyard gently extends to the river's edg through a stone pathway with steps to the shore. This riverfront backyard is a perfect gathering space for cool mountain evenings, memorable conversations, and peaceful moments surrounded by nature.As a riverfront property owner in Hi River Country, you'll enjoy exclusive private river access, including approximately one mile of stocked Hiawassee River waters, celebrated for outstanding trophy trout fishing.Whether you're seeking a full-time residence or mountain getaway, this riverfront home offers a rare opportunity to embrace the best of North Georgia mountain living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
8/10
7/10
Towns County High SchoolGrades 9-125.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2003

Materials

  • Roof: Shingle
  • Construction materials: Frame,Vinyl Siding,Stone

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 5
  • Full bathrooms: 3
  • Partial bathrooms: 2
  • Main level bedrooms: 3

Features

  • Pantry,Ceiling Fan(s),Sheetrock,Central Vacuum,Entrance Foyer,High Speed Internet
  • Window features: Insulated Windows
  • Flooring: Wood,Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Ventless,Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 0

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0063A025

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Deck,Covered
  • Exterior features: Private Yard
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Hiawassee River
  • Frontage type: River
  • Topography of land: Level,Flood Plain

Lot

  • Lot size: 0.50 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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

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 $2,654$31,848
Home Insurance *$162$1,944
Property Taxes $299$3,588
Electricity $219$2,637
Total$3,334$40,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,308/yr
40% on housing$100,020/yr
45% on housing$88,906/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 30546$223
Towns County$211

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
2026-07-24Price change$525,000
2026-07-14Price change$549,000
2026-06-26Listed for sale$575,000
2026-01-09Listing removed$575,000
2025-08-14Price change$575,000
2025-07-11Listed for sale$599,900
2023-01-07Listing removed$499,000
2022-10-04Listed for sale$499,000
2022-10-03Pending sale$499,000
2022-09-13Listed for sale$499,000
2022-09-13Listing removed$525,000
2022-08-02Listed for sale$525,000
2022-07-25Pending sale$525,000
2022-07-13Price change$525,000
2022-06-22Price change$575,000
2022-06-06Price change$599,000
2022-05-26Listed for sale$650,000
2003-03-24Sold$137,500

For Sale by Agent

AgentTommy Rutledge
BrokerageColdwell Banker High Country Realty - Hiawassee

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