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465 White Oak Cir, Blue Ridge, GA, 30513

2beds
1baths
250sqft
$285,000
$1,140price/sqft
$1,937/moest. monthly cost
$77,480/yrincome needed

About This Home

Secure your place among the clouds with this premier mountain-view homesite, perfectly positioned on a prestigious corridor of multi-million dollar luxury estates. This rare generational investment offers a dual-purpose opportunity: own an irreplaceable piece of Blue Ridge real estate while generating immediate, reliable passive income from a highly-rated short-term rental. The property is a builder's dream, featuring all core utilities-power, water, and septic-already in place to save you tens of thousands in site prep, with an easy, low-cost path to upgrade the current 3-bedroom septic to accommodate a 4-bedroom custom estate. The existing tiny home is a turnkey success, recently elevated with a premium deck extension and a private hot tub designed for the ultimate stargazing and relaxation experience. With unobstructed 180-degree panoramic views of the Blue Ridge Mountains, no HOA constraints, and a location minutes from elite wineries and hiking, this property is ready to perform from day one. Whether you are offsetting carrying costs while planning your $1,000,000+ custom home or simply expanding a high-yield portfolio, this site offers a level of readiness and scenery that is truly unparalleled.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
7/10
5/10
Fannin County High SchoolGrades 9-126.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2023

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: See Remarks
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Microwave

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • High Speed Internet
  • Window features: Insulated Windows
  • Flooring: Wood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: None
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 250
  • Total interior livable area: 250 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0059 C 021A5

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Private Yard
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods
  • Frontage type: Road
  • Topography of land: Level

Lot

  • Lot size: 1.05 Acres

Parking

  • Parking features: Driveway,No Driveway
  • 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
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Strong Wind
Tornado
Earthquake
Hail
Ice Storm
Landslide
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 $1,441$17,292
Home Insurance *$102$1,224
Property Taxes $175$2,100
Electricity $219$2,637
Total$1,937$23,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,411/yr
40% on housing$58,110/yr
45% on housing$51,653/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,140This listing

vs Other Active Listings

Avg $/sqft

ZIP 30513$293
Fannin County$280

vs Homes Sold Last Month

Median $/sqft

ZIP 30513
Fannin County$299

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
2026-03-27Listed for sale$285,000
2026-03-25Pending sale$285,000
2026-03-21Listed for sale$285,000
2026-03-12Pending sale$285,000
2026-02-06Listed for sale$285,000
2026-02-02Listing removed$275,000
2025-10-29Price change$275,000
2025-09-20Price change$280,000
2025-07-19Listed for sale$285,000
2025-03-10Listing removed$285,000
2025-01-22Listed for sale$285,000
2025-01-21Listing removed$285,000
2024-10-30Price change$285,000
2024-09-17Price change$289,000
2024-07-23Price change$299,900
2024-06-05Price change$314,900
2024-05-03Price change$319,900
2024-02-12Listed for sale$325,000
2023-04-21Sold$141,000

For Sale by Agent

AgentMaria Sims
BrokerageKeller Williams Realty Partners - Canton

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