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646 High Country Cir, Morganton, GA, 30560

3beds
3baths
1,827sqft
$649,900
$356price/sqft
$3,952/moest. monthly cost
$158,080/yrincome needed

About This Home

NEW CONSTRUCTION in the North Georgia mountains, situated perfectly between Blue Ridge and Blairsville. Architecturally designed with a keen eye for detail, this home combines modern elegance with rustic charm, creating an inviting yet sophisticated sanctuary. The expertly manicured exterior immediately captures attention, featuring lush sod, professionally curated landscaping, and a concrete driveway that leads to the striking front entrance. Situated on a generous 2-acre parcel, the property boasts exceptional privacy, lush greenery, and a level backyard ideal for outdoor entertaining, family gatherings, or simply enjoying the tranquility of nature with children and pets at play. Step inside to discover an interior that exudes quality and luxury. The kitchen is a true centerpiece, outfitted with unique, high-quality granite countertops, custom-crafted cabinetry, and state-of-the-art new appliances designed for both everyday living and entertaining. The open-concept design flows seamlessly into a Great Room, where soaring cathedral ceilings create a sense of spaciousness and grandeur. A stunning linear fireplace adds a focal point of elegance and cozy ambiance — perfect for cooler mountain evenings. The primary suite occupies the main level, offering a private retreat with a luxurious spa-inspired ensuite bathroom featuring premium finishes. From the primary suite, step out onto a (HUGE)private deck with an outdoor fireplace, ideal for unwinding with mountain views or hosting friends and family. Upstairs, the home offers two spacious bedrooms, complemented by a full bathroom. A versatile bonus room situated above the two-car garage provides endless possibilities—use it as an in-law suite, home office, fitness area, or additional entertaining space! BONUS BEDROOM !!The oversized garage is a welcomed feature providing ample storage and convenience. There is a private small lake/pond common area for fishing and relaxing. Enjoy the walk around the community!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-126.9 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Permanent
  • Roof: Shingle
  • Construction materials: Frame,Timber/Pole Frame,Concrete,Log Siding,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Cabin,Contemporary,Craftsman,Modern
  • Property subType: Residential

Interior

Appliances

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

Basement

  • Basement: Slab

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Wood,Loft,Entrance Foyer,Eat-in Kitchen,High Speed Internet
  • Window features: Insulated Windows,Screens
  • Flooring: Wood,Terrazzo,Tile,Luxury Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Vented,Ventless,Wood Burning,Outside
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,827
  • Total interior livable area: 1,827 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0024070b12

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Front Porch,Deck,Covered,Open
  • Exterior features: Garden,Private Yard,Fire Pit
  • Has view: Yes
  • View description: Mountain(s),Seasonal,Year Round,Trees/Woods
  • Waterfront features: Small Lake/Pond
  • Frontage type: Road,Small Lake/Pond
  • Topography of land: Level,Sloping

Lot

  • Lot size: 2 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Detached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    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 $3,286$39,432
Home Insurance *$231$2,772
Property Taxes $216$2,592
Electricity $219$2,637
Total$3,952$47,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,497/yr
40% on housing$118,560/yr
45% on housing$105,386/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

$356This listing

vs Other Active Listings

Avg $/sqft

ZIP 30560$274
Fannin County$279

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
2026-04-30Price change$669,000
2026-04-20Price change$672,500
2026-02-19Price change$675,000
2026-01-29Price change$677,500
2026-01-07Price change$682,500
2025-10-13Listed for sale$688,500
2025-10-10Listing removed$689,000
2025-10-07Price change$689,000
2025-08-29Listed for sale$699,000

New Construction

AgentRachel Callihan
BrokerageAnsley Real Estate Christie's Int. Real Estate

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