




685 Cross Creek Rd #62, Mineral Bluff, GA, 30559
About This Home
The Cobbler's Cottage offers timeless mountain charm in the sought-after River Walk on the Toccoa community. Nestled on 3.98+/- private acres with seasonal mountain and pond views, this enchanting cottage-style retreat is surrounded by nature and designed for peaceful mountain living. A standing seam metal roof, original stacked creek rock wood-burning fireplace, soaring cathedral ceilings with exposed wood beams, and dramatic wall of windows create the perfect blend of rustic character and natural light. The cozy kitchen opens to the inviting living area, while multiple decks provide ideal spaces to relax and enjoy the tranquil setting. The private loft serves as the owner's suite, complete with its own bathroom featuring a charming clawfoot tub and a private deck overlooking the wooded landscape. Whether you're enjoying morning coffee on the porch or curling up by the crackling fireplace, every space invites you to slow down and unwind. Located in the quiet, well-maintained River Walk on the Toccoa community, where short-term rentals are not permitted, you'll enjoy a peaceful neighborhood atmosphere rarely found in the mountains. The home is conveniently located in the same gated section as the community's deeded Toccoa River access and shared riverside pavilion, making it easy to spend your days fishing, kayaking, or simply enjoying one of North Georgia's most beautiful trout streams. If you're searching for a charming mountain getaway, full-time residence, or weekend retreat with character, privacy, and coveted Toccoa River access, The Cobbler's Cottage is a rare opportunity to own a truly special property.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1976
Materials
- Roof: Metal
- Construction materials: Stone,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow/Cottage
- Property subType: Single Family Residence,Cabin
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Refrigerator,Washer
- Laundry features: Other
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Dining Room
- Features: Dining Rm/Living Rm Combo
Features
- High Ceilings
- Flooring: Carpet,Hardwood
- Number of fireplaces: 1
- Fireplace features: Other
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 744
Heating & Cooling
- Heating features: Electric
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 744
- Total interior livable area: 744 sqft
Kitchen
- Features: Solid Surface Counters
Property
Details
- Parcel number: 0050 C 030A2
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck
- Has view: Yes
- View description: Mountain(s),Seasonal View
- On waterfront: Yes
- Waterbody name: Toccoa
- Frontage type: River
Lot
- Lot size: 3.98 Acres
- Features: Level
Parking
- Parking features: Off Street
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
- Lightning
- Inland Flooding
- Strong Wind
- Tornado
- Earthquake
- Hail
- Ice Storm
- Landslide
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,997 | $23,964 |
| Home Insurance * | $142 | $1,704 |
| Property Taxes | $131 | $1,572 |
| Electricity | $219 | $2,637 |
| Total | $2,489 | $29,868 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-22 | Listed for sale | $395,000 |
