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85 Cold Springs Rd, Morganton, GA, 30560

2beds
2baths
1,104sqft
$389,900
$353price/sqft
$2,458/moest. monthly cost
$98,320/yrincome needed

About This Home

Charming log cabin nestled on 2.54 private acres, complete with a peaceful pond and flowing branch—your own slice of North Georgia serenity. This 2-bedroom, 1.5-bath home is full of character, featuring warm wood floors and rustic touches throughout. The property offers abundant outdoor amenities, including a spacious barn with ample storage, a carport, greenhouse, and chicken coop—perfect for hobby farming or simply enjoying a self-sufficient lifestyle. Surrounded by a beautifully wooded lot, you'll appreciate the privacy and natural setting in every season. Whether you're looking for a full-time residence or a cozy mountain retreat, this unique property combines charm, functionality, and tranquil outdoor living.

Getting Around

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

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-1210.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2020

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Slab

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Wood
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,104
  • Total interior livable area: 1,104 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0007 00908

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Covered,Patio,Wrap Around
  • Exterior features: Storage,Garden,Dock
  • Fencing: Fenced
  • Has view: Yes
  • View description: Trees/Woods,Pond
  • On waterfront: Yes
  • Waterfront features: Small Lake/Pond,Pond
  • Waterbody name: Branch,Cold Springs Pond
  • Frontage type: Branch,Small Lake/Pond
  • Topography of land: Sloping,Wooded

Lot

  • Lot size: 2.54 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport,Detached,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: 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 $1,971$23,652
Home Insurance *$139$1,668
Property Taxes $129$1,548
Electricity $219$2,637
Total$2,458$29,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,274/yr
40% on housing$73,740/yr
45% on housing$65,546/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

$353This listing

vs Other Active Listings

Avg $/sqft

ZIP 30560$277
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
2026-05-05Listed for sale$399,900

For Sale by Agent

AgentJulie Dyer
BrokerageDouble Take Realty

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