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3540 Lake Rabun Rd, Lakemont, GA, 30552

5beds
5baths
4,124sqft
$2,595,000
$629price/sqft
$18,247/moest. monthly cost
$729,880/yrincome needed

About This Home

Experience elevated mountain living with stunning Lake Rabun views! Tucked away on over 5 private acres, this exceptional 5-bedroom, 5-bathroom estate offers the perfect blend of Lake and Mountain Life. Situated on all paved roads with easy access to downtown Lakemont and Clayton, this home offers both seclusion and convenience. The main level features an open-concept living space that seamlessly flows into a spacious screened porch-ideal for relaxed outdoor living and dining. Step out onto the expansive deck, which wraps around the side of the home, providing even more room for entertaining while soaking in the lake views. The main level includes a guest suite with a private balcony and ensuite bath, along with an additional guest bedroom and full bath. Upstairs, a flexible area is perfect for a home office or lounge space and leads to a bright guest suite with numerous windows and a private bath. The upper level also features a generous primary suite with a walk-in closet, updated bath, and a private balcony with views of the lake. The terrace level offers even more living space, including a second family room, laundry area with built-ins, exercise room, and a spacious bunk room that opens to both a screened porch and an open deck-ideal for guests or extended family. Head down to the lake to enjoy the upper level of the boathouse with panoramic views or relax by the dock, set in front of a natural beach area that's perfect for children and pets. This one-of-a-kind mountain-lake retreat is move-in ready and waiting to be enjoyed this summer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

--
6/10
7/10
Rabun County High SchoolGrades 9-124.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1981

Materials

  • Roof: Composition,Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Country/Rustic
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven/Range (Combo),Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Bath Finished,Exterior Entry,Finished,Interior Entry

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining Rm/Living Rm Combo

Features

  • Double Vanity,Master On Main Level,Separate Shower,Walk-In Closet(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Basement,Factory Built,Family Room
  • Fireplace: Yes
  • Finished area below ground: 1,428
  • Finished area above ground: 2,696

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 4,124
  • Total interior livable area: 4,124 sqft

Kitchen

  • Features: Breakfast Bar,Country Kitchen,Kitchen Island

Property

Details

  • Parcel number: LR03 021 L
  • On leased land: Yes

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Balcony,Dock
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Lake,Mountain(s)
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Deep Water Access,Lake,Lake Privileges,Swim Dock,Utility Company Controlled
  • Waterbody name: Lake Rabun
  • Frontage type: Lakefront
  • Residential vegetation: Wooded

Lot

  • Lot size: 5.03 Acres
  • Features: Private,Steep Slope

Parking

  • Parking features: Guest,Kitchen Level

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $13,121$157,452
Home Insurance *$1,380$16,560
Property Taxes $3,346$40,152
Electricity $400$4,808
Total$18,247$218,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$625,611/yr
40% on housing$547,410/yr
45% on housing$486,586/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 9.5%
9.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$629This listing

vs Other Active Listings

Avg $/sqft

ZIP 30552$358
Rabun County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 30552
Rabun County$346

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
2026-03-02Listed for sale$2,995,000
2025-11-16Listing removed$3,100,000
2025-08-05Listed for sale$3,100,000

For Sale by Agent

AgentThe Lake Team
BrokerageAnsley RE | Christie's Int'l RE

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