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Hc15 Old Toccoa Loop, Mineral Bluff, GA, 30559

1beds
1baths
516sqft
$410,000
$795price/sqft
$2,575/moest. monthly cost
$103,000/yrincome needed

About This Home

COTTAGE 15 in the HILLSIDE COTTAGES OF OLD TOCCOA FARM is tucked away overlooking the Fairway of Hole 7 AND the Toccoa River! Comprised of 15 one-bedroom cottages, the Hillside Cottages offer overnight stay in the prestigious Old Toccoa Farm, the only 24-7 guard-gated residential 18-hole golf course of its kind in Blue Ridge. Cottage 15 offers a cozy living room with ample space to relax and unwind, full kitchen and bar seating, private bedroom and bath, stone patio w/firepit overlooking the golf course & river, cedar shake roof, board-and-batten construction, lush landscaping and stone accents. Just a short ride up the hill to The Tavern @ Old Toccoa Farm, pickle ball and tennis courts. Professionally managed and sold completely furnished!

Getting Around

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

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-124.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

  • Roof: Shake
  • Construction materials: Frame,Wood Siding,Stone,Concrete

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Slab

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Wood,Eat-in Kitchen,High Speed Internet
  • Window features: Insulated Windows
  • Flooring: Wood,Tile
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 516
  • Total interior livable area: 516 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0051 01280
  • Special condition: Existing Rental History

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Patio
  • Exterior features: Fire Pit
  • Has view: Yes
  • View description: Mountain(s),Year Round,River,Long Range,Golf Course
  • Has water view: Yes
  • Water view: River
  • Waterbody name: Toccoa
  • Frontage type: Road,Golf Course
  • Topography of land: Level,Sloping

Lot

  • Lot size: 0.31 Acres

Parking

  • Parking features: Driveway,Asphalt
  • 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 $2,073$24,876
Home Insurance *$147$1,764
Property Taxes $136$1,632
Electricity $219$2,637
Total$2,575$30,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,285/yr
40% on housing$77,250/yr
45% on housing$68,666/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

$795This listing

vs Other Active Listings

Avg $/sqft

ZIP 30559$251
Fannin County$280

vs Homes Sold Last Month

Median $/sqft

ZIP 30559
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
2026-05-01Listed for sale$410,000

For Sale by Agent

AgentKim Knutzen
BrokerageAnsley Real Estate Christie's Int. Real Estate

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