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7880 Hiawassee Wilderness Trl, Hiawassee, GA, 30546

4beds
5baths
2,052sqft
$799,000
$389price/sqft
$5,107/moest. monthly cost
$204,280/yrincome needed

About This Home

Welcome to your private mountain retreat on the Hiawassee River! This beautifully maintained 4-bedroom, 4.5-bath home offers just over 2,000 square feet of incredible living space, perfectly positioned to capture both river and mountain views. The home features durable Hardie plank siding, a brand-new metal roof (2026), and updated main-level finishes including fresh paint and modern fixtures (2023). The main level offers a spacious primary suite with a double vanity en suite, along with inviting living areas that showcase the natural surroundings. The kitchen and living spaces flow seamlessly to an incredible outdoor deck, truly a standout feature, constructed with a unique blend of stone and wood, creating the perfect setting for entertaining, relaxing, or enjoying the peaceful sounds of the river. A custom fishing deck sits along the navigable riverfront, offering direct access to the water. The partially finished basement, complete with ceramic tile flooring, is currently utilized as a secondary entertainment space and provides flexibility for additional living, recreation, or storage, with direct walk-out access to the riverfront. Tucked away in a highly private setting with no HOA, this property offers a rare combination of seclusion, natural beauty, and modern comfort, ideal as a full-time residence, second home, or investment opportunity with true, usable river access.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

6/10
8/10
7/10
Towns County High SchoolGrades 9-126.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1995

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Microwave,Dishwasher
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Partial,Bath/Stubbed

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • Partial bathrooms: 1

Features

  • Ceiling Fan(s)
  • Window features: Insulated Windows
  • Flooring: Luxury Vinyl
  • Fireplace features: Vented,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,052
  • Total interior livable area: 2,052 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0064 013

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Front Porch,Deck,Covered,Patio,See Remarks
  • Has view: Yes
  • View description: Year Round,River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Hiawassee River
  • Frontage type: Road,River

Lot

  • Lot size: 1.10 Acres

Parking

  • Parking features: Driveway,Gravel
  • 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 $4,040$48,480
Home Insurance *$247$2,964
Property Taxes $601$7,212
Electricity $219$2,637
Total$5,107$61,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,097/yr
40% on housing$153,210/yr
45% on housing$136,186/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

$389This 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
2026-03-28Listed for sale$865,000
2021-03-12Sold$456,050
2021-02-15Pending sale$429,900
2021-02-10Listed for sale$429,900
2019-12-06Sold$260,000
2019-11-11Pending sale$289,000
2019-06-20Price change$289,000
2019-03-07Price change$329,900
2018-12-03Price change$374,900
2018-06-26Price change$379,900
2018-04-09Listed for sale$399,900
2006-03-22Sold$399,900

For Sale by Agent

AgentAllen Dellinger
BrokerageKeller Williams Lanier Partners - Gainesville

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