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23 Lake Trl W #10, Hiawassee, GA, 30546

5beds
5baths
4,046sqft
$1,100,000
$272price/sqft
$6,616/moest. monthly cost
$264,640/yrincome needed

About This Home

Priced below appraisal!! Contemporary retreat overlooking the breathtaking waters of Lake Chatuge with lake access! This exceptional 5 bedroom, 4.5 bath home masterfully blends upscale design, comfort & the natural beauty of the North GA mountains, offering a lifestyle that feels both luxurious & relaxed. As you arrive, you're greeted by a spacious 3 car garage & a durable concrete driveway that sets the tone for the quality found throughout the property. Step inside to discover soaring ceilings & an abundance of natural light streaming through expansive windows, perfectly framing stunning lake & mountain views from nearly every room. At the heart of the home is an oversized, chef-inspired kitchen featuring a massive center island, abundant cabinetry & generous counter space-ideal for entertaining or everyday living. The kitchen flows seamlessly into the open-concept living & dining areas, creating a bright & inviting space where family & friends can gather while enjoying panoramic views of the lake. Each of the 5 spacious bedrooms is thoughtfully designed with large walk-in closets, offering ample storage & comfort. The bathrooms are equally impressive, showcasing beautifully tiled showers with sleek glass doors that create a spa-like atmosphere throughout the home. The lower level features a large, versatile bonus room with tall ceilings, making it perfect for a media room, game room, home gym, or additional guest space. This flexible area adds even more functionality to an already well-designed floor plan. Step outside to experience true mountain living at its finest. Expansive covered porches provide the perfect setting for relaxing, entertaining or simply soaking in the peaceful surroundings. Just beyond, a charming rock fire pit invites you to enjoy cool evenings by the fire while taking in the serene lake & mountain backdrop. Despite its private,country-like setting, this home is located just minutes from downtown Hiawassee, giving you quick & easy access to dining & shopping.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2022

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Property

Lot

  • Lot size: 0.61 Acres

Parking

  • Parking features: Garage
  • Has garage: 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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Hail
Ice Storm
Strong Wind

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 $5,562$66,744
Home Insurance *$341$4,092
Property Taxes $320$3,840
Electricity $393$4,717
Total$6,616$79,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$226,834/yr
40% on housing$198,480/yr
45% on housing$176,426/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -7.7%
-7.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 30546$222
Towns County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 30546
Towns County$212

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

No price history available

For Sale by Agent

AgentRick Andrews
BrokerageCentury 21 Black Bear Realty

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