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5527 Clay Hill Road, Lincolnton, GA, 30817

2beds
2baths
1,468sqft
$235,000
$160price/sqft
$1,638/moest. monthly cost
$65,520/yrincome needed

About This Home

This charming rustic cabin is the perfect getaway for weekends at the lake, a full-time residence, or an excellent short-term rental opportunity. Situated on 2.35 scenic acres, the property backs up to Corps of Engineers land and Clay Hill Campground, offering privacy and easy access to outdoor recreation. Floors are beautiful original heart pine. There are washer/dryer hookups. Don't miss your chance to make this unique property your own--schedule your showing today! SF is per tax records, measure for exact numbers.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

9/10
5/10

Construction

Condition

  • Year built: 1948

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Wood Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Features

  • Blinds/Shades

Heating & Cooling

  • Heating features: Fireplace(s),Electric,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,468
  • Total interior livable area: 1,468 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 42 023
  • Zoning: R-2
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Porch,Front Porch,Side Porch
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Waterfront features: Lake Front
  • Frontage type: Lakefront
  • Living area range: 1400 - 1599

Lot

  • Lot size: 2.35 Acres
  • Lot size dimensions: 213.4 x 457.5

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Lightning

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 $1,188$14,256
Home Insurance *$75$900
Property Taxes $156$1,872
Electricity $219$2,637
Total$1,638$19,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,160/yr
40% on housing$49,140/yr
45% on housing$43,680/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 10.3%
10.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 30817$218
Lincoln County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 30817$221
Lincoln County$309

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
2026-08-11Price change$210,000
2026-06-26Listed for sale$235,000
2025-04-18Sold$108,000
2018-06-28Sold$62,650

For Sale by Agent

AgentJames Clayton Turner
BrokerageTurner Realty

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