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685 Cross Creek Rd #62, Mineral Bluff, GA, 30559

1beds
2baths
744sqft
$395,000
$531price/sqft
$2,489/moest. monthly cost
$99,560/yrincome needed

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

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

Schools

6/10
7/10
5/10
Fannin County High SchoolGrades 9-125.9 mi

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
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Strong Wind
Tornado
Earthquake
Hail
Ice Storm
Landslide
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 $1,997$23,964
Home Insurance *$142$1,704
Property Taxes $131$1,572
Electricity $219$2,637
Total$2,489$29,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,337/yr
40% on housing$74,670/yr
45% on housing$66,373/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

$531This 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
2026-07-22Listed for sale$395,000

For Sale by Agent

AgentNicole Tankersley
BrokerageMountain Sotheby's International

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