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4395 White Oak Dr, Hiawassee, GA, 30546

2beds
2baths
840sqft
$159,900
$190price/sqft
$1,193/moest. monthly cost
$47,720/yrincome needed

About This Home

Updated, move in ready 2 bdrm, 1.5 bath mobile home under roof w/ large covered front porch. Perfect for short term rentals, or make this your mountain get a way or permanent residence. Furnishings can stay so just pack your bags and move right in! Freshly painted inside and out in 2025. New roof in 2025. New hot water heater in 2024. Situated on 2 lots totaling 1.44 acres w/ seasonal mountain views. No deed restrictions. Close to Lake Chatuge, Appalachian Trail, grocery, medical facilities and numerous outdoor activities. Cash only. Not eligible for financing due to age.

Getting Around

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

Schools

6/10
8/10
7/10
Towns County High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1981

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Other

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Other
  • Property subType: Mobile Home,Manufactured Home

Interior

Appliances

  • Appliances included: Dryer,Electric Water Heater,Oven/Range (Combo),Refrigerator,Washer
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Features: Dining Rm/Living Rm Combo

Features

  • Beamed Ceilings,Master On Main Level
  • Flooring: Carpet,Vinyl
  • Fireplace features: Other
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 840

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 840
  • Total interior livable area: 840 sqft

Kitchen

  • Features: Country Kitchen

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 0034B240, 0034B241
  • Special condition: As Is

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch
  • Exterior features: Other
  • Has view: Yes
  • View description: Mountain(s),Seasonal View

Lot

  • Lot size: 1.44 Acres
  • Features: Private

Parking

  • Total spaces: 3
  • Parking features: Parking Pad
  • 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 $808$9,696
Home Insurance *$49$588
Property Taxes $117$1,404
Electricity $219$2,637
Total$1,193$14,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,902/yr
40% on housing$35,790/yr
45% on housing$31,813/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

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 30546$228
Towns County$214

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
2026-01-02Listed for sale$174,900
2024-07-08Sold$80,000
2024-06-13Pending sale$99,900
2024-05-22Price change$99,900
2024-05-09Price change$109,900
2023-12-04Listed for sale$124,900
2023-11-06Listing removed--
2023-11-01Price change$124,900
2023-10-14Listed for sale$149,900
2020-09-15Listing removed$62,500
2020-09-02Listed for sale$62,500
2019-12-23Sold$49,500
2019-11-19Pending sale$59,000
2019-07-25Listed for sale$59,000

For Sale by Agent

AgentRobin Wiseman
BrokerageBHGRE Metro Brokers

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