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85 Duck Cv, Morganton, GA, 30560

4beds
3baths
2,200sqft
$769,900
$350price/sqft
$4,642/moest. monthly cost
$185,680/yrincome needed

About This Home

Experience the best of contemporary mountain living in this immaculate 4BR/3BA FURNISHED residence set on a peaceful, tree-lined lot just moments from Lake Blue Ridge. Blending modern sophistication with the tranquility of nature, this home offers the perfect balance of privacy & convenience—only minutes from the heart of downtown Blue Ridge, where boutique shopping, local dining, & outdoor adventures await. Step inside to a light-filled interior that celebrates open-concept design & clean, modern lines. The living, dining, & kitchen areas flow together effortlessly, creating an inviting atmosphere ideal for gatherings or quiet moments by the fire. Expansive windows frame stunning views of the surrounding forest & glimpses of the shimmering lake, bathing each space in natural light that shifts beautifully throughout the day. The primary suite is a luxurious retreat, complete with a spa-style bath featuring dual vanities & a walk-in shower. A second main-level bedroom provides comfortable accommodations for guests, while the lower level offers two additional bedrooms—each with its own private bath—ensuring both comfort & privacy for everyone. Downstairs, the entertainment space continues with a stylish wet bar, perfect for serving cocktails, hosting game nights, or relaxing after a day on the lake. This inviting area flows seamlessly out to the expansive deck, designed for gatherings large & small—from summer barbecues to quiet evenings by the outdoor fireplace. The wooded landscape enhances the home's secluded feel, while the generous parking area easily accommodates multiple vehicles or an RV for your weekend adventures. Located in a sought-after community near Lake Blue Ridge, this property puts nature's playground right at your doorstep. Enjoy swimming, kayaking, fishing, or simply soaking up the lake's peaceful charm—all within a short five-minute stroll to public access points. Seller will give $5000 towards Buyer's Closing Costs.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-124.0 mi

Construction

Condition

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

Materials

  • Roof: Metal
  • Construction materials: Frame,Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range,Microwave,Dishwasher,Electric Water Heater
  • Laundry features: Main Level,Laundry Closet,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Features

  • Pantry,Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Wood,Eat-in Kitchen,High Speed Internet
  • Window features: Insulated Windows
  • Flooring: Wood,Luxury Vinyl
  • Number of fireplaces: 3
  • Fireplace features: Ventless,Gas Log,Wood Burning,Outside
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,200
  • Total interior livable area: 2,200 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: MO03001B2A

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Deck,Covered
  • Exterior features: Private Yard
  • Has view: Yes
  • View description: Mountain(s),Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • Frontage type: Road
  • Topography of land: Sloping

Lot

  • Lot size: 1.10 Acres

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

  • 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 $3,893$46,716
Home Insurance *$274$3,288
Property Taxes $256$3,072
Electricity $219$2,637
Total$4,642$55,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,154/yr
40% on housing$139,260/yr
45% on housing$123,786/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

$350This listing

vs Other Active Listings

Avg $/sqft

ZIP 30560$272
Fannin County$278

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
2026-04-23Price change$779,000
2025-11-12Listed for sale$789,000

New Construction

AgentLH Real Estate Group
BrokerageEngel & Volkers North Georgia Mountains

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