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22 & 26 Ao Ln, Morganton, GA, 30560

1beds
2baths
--sqft
$290,000
--price/sqft
$1,884/moest. monthly cost
$75,360/yrincome needed

About This Home

Investor Opportunity or Mountain Fixer-Upper! Bring your vision and your tool belt—this unique property offers two homes on 3 wooded acres with incredible potential for the right buyer. Both homes need significant renovation and are being sold as-is, making this an ideal opportunity for investors, builders, or buyers looking to create a custom mountain getaway. The first home, 22 AO Lane, sits on 1.3 level, wooded acres with a gated driveway and offers a studio-style layout with a full kitchen and bathroom. A rustic outdoor shower adds to the cabin feel, but the home will require substantial updates to reach its full potential. The second home, 26 AO Lane, with a separate gated driveway, has a 1BR/1 BA layout with an open-concept kitchen and living area highlighted by wood ceilings, exposed beams, and wood floors. A wood-burning stove with stone veneer creates a cozy focal point, while a large wraparound deck extends across three sides of the home. With some clearing, there is potential for seasonal mountain views. This home also includes a small shed and an enclosed workshop with additional back deck space—but like the first home, it will need work and renovation. Both properties are privately set among the trees, offering a peaceful setting with room to create a vacation compound, rental investment, or full-time retreat. If you're looking for a turnkey property, this is not it. But if you're looking for potential, privacy, and the chance to build value, this property is worth a look. Call the listing agent for additional details.

Getting Around

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

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-127.2 mi

Construction

Condition

  • Property condition: Resale,Fixer
  • Year built: 1995

Materials

  • Roof: Metal
  • Construction materials: Frame,Wood Siding,Stone,Other,See Remarks

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Craftsman,See Remarks
  • Property subType: Residential

Interior

Appliances

  • Appliances included: See Remarks
  • Laundry features: See Remarks

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Cathedral Ceiling(s),Sheetrock,Wood,See Remarks
  • Flooring: Concrete,Wood,Carpet,Tile,Vinyl,Luxury Vinyl
  • Fireplace features: See Remarks

Heating & Cooling

  • Heating features: Wood Stove
  • Cooling features: None

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0025 019GB

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Open,Wrap Around
  • Exterior features: Storage,Fire Pit
  • Has view: Yes
  • View description: Mountain(s),Seasonal,Trees/Woods
  • Frontage type: Road
  • Topography of land: Level,Sloping,Wooded

Lot

  • Lot size: 3 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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Hail
Ice Storm
Landslide
Wildfire
Winter Weather

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 $1,466$17,592
Home Insurance *$103$1,236
Property Taxes $96$1,152
Electricity $219$2,637
Total$1,884$22,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,594/yr
40% on housing$56,520/yr
45% on housing$50,240/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 30560$279
Fannin County$280

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
2026-04-06Listed for sale$299,000

For Sale by Agent

AgentJahna Allen
BrokerageREMAX Town & Country - BR Downtown

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