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1685 Chatuge Shores Rd, Hiawassee, GA, 30546

1beds
1baths
406sqft
$349,000
$860price/sqft
$2,192/moest. monthly cost
$87,680/yrincome needed

About This Home

Welcome to your own slice of Lake Chatuge paradise! This beautifully designed tiny home offers lakefront living with direct access to Lake Chatuge for kayaking, fishing, swimming and enjoying the North Georgia mountain lifestyle. Inside, you'll find modern shiplap, vaulted tongue-and-groove ceilings, granite countertops, stainless steel appliances, abundant cabinetry and an open, light-filled floor plan. The spacious bath features a large walk-in shower, while the primary bedroom includes a built-in makeup station with cabinetry. Dedicated mini-split systems in the living room and bedroom provide year-round comfort, and the loft offers additional sleeping space for family and guests. Relax on the covered porch while taking in peaceful lake views and overlooking the large, level, fenced yard—perfect for pets, entertaining or evenings around the fire pit. Fiber-optic high-speed internet, paved road access and ample parking make this property ideal for year-round living, a weekend retreat or vacation rental. Enjoy all that Hiawassee and the North Georgia Mountains have to offer! Nearby Georgia Mountain Fairgrounds hosts concerts, festivals and special events throughout the year. Explore Bell Mountain, Brasstown Bald, scenic hiking trails, local wineries, shopping and dining, then come home and relax by the lake. Conveniently located approximately two hours from Atlanta, making this an ideal mountain and lake escape for weekend getaways or extended stays. With a proven history as both a successful Airbnb and long-term rental, this property offers excellent income potential while still providing the opportunity to enjoy your own lake retreat. Offered turnkey and fully furnished, except for the composite outdoor furniture, which is negotiable. Just bring your swimsuit and beach towel and start making memories at your own Lake Chatuge retreat!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
8/10
7/10
Towns County High SchoolGrades 9-124.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2019

Materials

  • Roof: Metal
  • Construction materials: Composite

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range,Oven,Microwave,Washer,Dryer,Tankless Water Heater
  • Laundry features: Main Level,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Crawl Space,None

Bedrooms & Bathrooms

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

Features

  • Pantry,Ceiling Fan(s),Loft,Eat-in Kitchen,High Speed Internet
  • Window features: Vinyl
  • Flooring: Luxury Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Mini-Split
  • Cooling features: Mini-Split

Interior Area

  • Total structure area: 406
  • Total interior livable area: 406 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0029A017

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Covered
  • Exterior features: Fire Pit
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),Year Round,Lake,Long Range
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Waterbody name: Chatuge
  • Frontage type: Road,Lakefront
  • Topography of land: Level

Lot

  • Lot size: 0.39 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
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

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 $1,764$21,168
Home Insurance *$108$1,296
Property Taxes $101$1,212
Electricity $219$2,637
Total$2,192$26,304
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,154/yr
40% on housing$65,760/yr
45% on housing$58,453/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

$860This listing

vs Other Active Listings

Avg $/sqft

ZIP 30546$225
Towns County$213

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

DateEventPrice
2026-08-14Price change$325,000
2026-08-03Price change$349,000
2026-07-19Price change$375,000
2026-07-02Listed for sale$399,000

For Sale by Agent

AgentHolly Fletcher
BrokerageReal Estate Professionals of Haywood County

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