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5518 Highway 30, Benton, TN, 37307

6beds
7baths
3,588sqft
$899,900
$251price/sqft
$5,638/moest. monthly cost
$225,520/yrincome needed

About This Home

Exceptional Bed & Breakfast Retreat on Hiawassee River – A Unique Opportunity Awaits Welcome to this beautifully maintained, fully furnished, and well-established 6-bedroom, 6.5-bathroom Bed and Breakfast, offering a truly one-of-a-kind experience for guests and owners alike. Nestled along 280 feet of scenic Hiawassee River frontage, this remarkable property is a rare blend of comfort, character, and modern amenities. Each of the four guest suites is uniquely designed, with distinctive dcor and private, custom bathrooms that create an unforgettable stay. Whether for a romantic getaway or a peaceful retreat, every room offers a special ambiance tailored to delight. The property also includes a spacious 1-bedroom, 1-bath caretaker's apartment, complete with a full kitchen and private entry from both inside and outside the main home—perfect for on-site staff or additional rental income. Outdoor living is equally impressive. Enjoy gatherings on the 600 sq ft party deck overlooking the river, soak in two hot tubs, or unwind around the fire pit under the stars. For added charm and guest appeal, there are three uniquely decorated, climate-controlled yurts, each providing a cozy and memorable glamping experience. Hosting events? You're covered with a large party tent ideal for celebrations, reunions, or small weddings. Sustainability meets convenience with solar panels powering a whole-home Generac backup system, ensuring peace of mind in any season. Two electric-equipped storage buildings offer additional flexibility for business or personal use. Whether you're looking to continue operating this successful B&B or seeking a distinctive private residence with income potential, this property delivers charm, versatility, and riverfront tranquility in one complete package. Schedule your private tour today and discover all that this exceptional riverside retreat has to offer.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Benton Elementary SchoolGrades PK-56.7 mi
4/10
Chilhowee Middle SchoolGrades 6-86.7 mi
4/10
Polk County High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1997

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Cooktop,Range,Oven,Microwave,Dishwasher,Washer,Dryer,Freezer,Electric Water Heater,Solar Storage
  • Laundry features: Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • Partial bathrooms: 1

Features

  • Pantry,Ceiling Fan(s),Wet Bar,Sheetrock,Additional Dwelling Unit,Entrance Foyer,Eat-in Kitchen
  • Window features: Vinyl
  • Flooring: Concrete,Wood,Terrazzo
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,588
  • Total interior livable area: 3,588 sqft

Master Bedroom

  • Level: Main,Upper,Lower

Property

Details

  • Parcel number: 01800604000
  • Special condition: Existing Rental History
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Deck,Covered,Patio,Open
  • Exterior features: Storage,Pasture,Garden,Private Yard,Fire Pit
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Mountain(s),Year Round,River,Long Range,Trees/Woods
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Hiawassee River
  • Frontage type: River,USFS
  • Topography of land: Level,Sloping

Lot

  • Lot size: 1.93 Acres
  • Features: Farm

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Inland Flooding
Landslide
Tornado

FEMA Declared Disasters Across Tennessee Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Winter 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 $4,550$54,600
Home Insurance $460$5,520
Property Taxes $337$4,044
Electricity $291$3,498
Total$5,638$67,656

Income You'd Need if You Spent...

35% on housing$193,302/yr
40% on housing$169,140/yr
45% on housing$150,346/yr

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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 7.8%
7.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$251This listing

vs Other Active Listings

Avg $/sqft

ZIP 37307$154
Polk County$168

vs Homes Sold Last Month

Median $/sqft

ZIP 37307$213
Polk County$249

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)

No zestimate history available

Price History

DateEventPrice
2026-05-04Price change$939,900
2025-06-19Listed for sale$949,900
2020-07-13Sold$340,000
2019-06-18Listed for sale$370,000
2018-05-31Listing removed$164,900
2018-05-20Listed for sale$164,900
2017-08-09Listing removed$178,384
2017-07-18Listed for sale--

For Sale by Agent

AgentJason Marsh, Coldwell Banker High Country Realty - Blue Ridge
BrokerageColdwell Banker High Country Realty - Blue Ridge

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