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245 Mountain Retreat Dr, Morganton, GA, 30560

4beds
3baths
3,000sqft
$1,599,000
$533price/sqft
$9,479/moest. monthly cost
$379,160/yrincome needed

About This Home

Luxury Modern Cabin with Stunning Mountain Views | Turn-Key Investment || This ideal mountain-modern was built in 2024 and features breathtaking year-round mountain views of the Chattahoochee National Forest. Showcasing luxury finishes including accordion doors for true indoor/outdoor living and designer furnishings throughout and finished off with professional landscaping and all paved access, this home checks all of the boxes. Featuring three private en-suite bedrooms with spa-like baths, plus a versatile loft bedroom with sleeper sofa and office area. Enjoy exceptional outdoor living with two covered decks, each with a fireplace, along with a private hot tub overlooking the sweeping mountain views. Entertain with ease in the game room featuring a pool table, card table, and custom wet bar. Located just minutes from the coveted Aska Adventure Area, offering easy access to hiking, biking, and outdoor recreation. All paved access, covered parking, and surrounded by USFS, this is the quintessential mountain retreat. Ideal as a luxury mountain getaway or high-performing short-term rental investment.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-126.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2024

Materials

  • Foundation: Permanent
  • Roof: Metal
  • Construction materials: Frame,Stone,Composite

Type & Style

  • Home type: SingleFamily
  • Architectural style: Chalet,Modern
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Cooktop,Oven,Microwave,Dishwasher,Washer,Dryer
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Features

  • Pantry,Wet Bar,Wood,Loft,High Speed Internet
  • Window features: Insulated Windows
  • Flooring: Wood,Tile
  • Number of fireplaces: 4
  • Fireplace features: Vented,Ventless,Gas Log,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Master Bedroom

  • Level: Main,Upper

Property

Details

  • Parcel number: 0021 005

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck,Covered
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Mountain(s),Year Round,Long Range
  • Frontage type: USFS
  • Topography of land: Wooded

Lot

  • Lot size: 2.44 Acres

Parking

  • Parking features: Carport,Driveway,Asphalt
  • Has uncovered spaces: Yes
  • Carport: 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
    LightningVery High
  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Landslide
    LandslideRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Drought
Landslide
Strong Wind
Hail
Ice Storm
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 $8,085$97,020
Home Insurance *$570$6,840
Property Taxes $533$6,396
Electricity $291$3,497
Total$9,479$113,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$324,994/yr
40% on housing$284,370/yr
45% on housing$252,773/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

$533This listing

vs Other Active Listings

Avg $/sqft

ZIP 30560$265
Fannin County$277

vs Homes Sold Last Month

Median $/sqft

ZIP 30560
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
2026-04-13Listed for sale$1,599,000
2026-02-26Listing removed$1,599,000
2026-02-11Listed for sale$1,599,000
2025-02-28Sold$1,050,000
2025-01-29Pending sale$1,190,000
2024-12-21Price change$1,190,000
2023-12-14Listed for sale$1,499,000

For Sale by Agent

AgentGrant Fitts
BrokerageMountain Sotheby's International Realty

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