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938 Waters St W, Clarkesville, GA, 30523

3beds
2baths
2,511sqft
$650,000
$259price/sqft
$5,032/moest. monthly cost
$201,280/yrincome needed

About This Home

Escape to the beauty of the North Georgia mountains with this charming log cabin nestled on a private 1-acre lot with frontage on the breathtaking Soque River. Offering 3 bedrooms, 2 baths, and 2,511 square feet, this inviting home features an open floor plan designed for comfortable everyday living and effortless entertaining. Warm hardwood floors flow throughout the main living area, while the sunroom provides the perfect place to relax and take in the peaceful surroundings year-round. Enjoy the best of both worlds with a location that's just a short walk from everything downtown Clarkesville has to offer, including local shops, restaurants, parks, and community events. Although you're that close to town, the home is located outside the city limits, allowing you to enjoy no city taxes while still benefiting from public water and sewer. This home has been thoughtfully updated and meticulously maintained, giving buyers peace of mind. Major improvements include a new HVAC system installed in December 2025, replacement roof bolts on the metal roof, new recessed lighting, motion-sensor flood lights, updated sunroom lighting, and a covered breezeway connecting the carport to the home. The deck has been freshly painted with damaged wood replaced, and the owners invested approximately $10,000 in tree removal to enhance both the beauty and usability of the property. Outside, you'll find mature landscaping enhanced with an irrigation system, along with blueberry bushes and a muscadine vine ready to enjoy. A newly added dog pen makes this property ideal for pet lovers, while the Soque River creates an extraordinary backyard retreat. Known for its outstanding trout fishing, this renowned North Georgia river offers the rare opportunity to cast a line just steps from your back door. Whether you're fishing, kayaking, relaxing by the water, or simply listening to the peaceful sounds of the river, you'll appreciate the lifestyle this property provides. Whether you're looking for a full-time residence, a mountain getaway, or an exceptional vacation rental opportunity, this move-in-ready cabin combines rustic charm, thoughtful updates, an unbeatable location near downtown Clarkesville, and the unmatched beauty of riverfront living on the Soque River.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

5/10
8/10
--
Habersham Success AcademyGrades 6-124.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1981

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Cabin

Interior

Appliances

  • Appliances included: Dishwasher,Oven/Range (Combo)
  • Laundry features: Other

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Double Vanity,Master On Main Level,Tile Bath
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,511

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,511
  • Total interior livable area: 2,511 sqft

Property

Details

  • Parcel number: 071 008

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterbody name: Soque River
  • Frontage type: River

Lot

  • Lot size: 1.02 Acres
  • Features: Level,Other

Parking

  • Parking features: Carport
  • 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 WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Hail
Inland Flooding
Strong Wind
Tornado

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 $3,286$39,432
Home Insurance *$289$3,468
Property Taxes $1,214$14,568
Electricity $243$2,927
Total$5,032$60,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,525/yr
40% on housing$150,960/yr
45% on housing$134,186/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$259This listing

vs Other Active Listings

Avg $/sqft

ZIP 30523$214
Habersham County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 30523$209
Habersham County$197

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
2026-07-25Listed for sale$650,000
2024-04-12Sold$602,000
2024-04-11Pending sale$625,000
2024-04-11Listed for sale$625,000
2024-02-29Contingent$625,000
2024-02-17Price change$625,000
2024-01-15Price change$650,000
2023-12-05Price change$675,000
2023-12-04Price change$694,000
2023-11-24Price change$695,000
2023-11-17Price change$696,000
2023-11-09Price change$697,000
2023-11-03Price change$698,000
2023-09-21Listed for sale$699,000
2022-03-07Sold$577,500
2022-02-07Contingent$499,900
2022-02-04Listed for sale$499,900
2014-01-08Sold$250,000
2013-08-27Listed for sale$265,000
2007-03-01Sold$269,000

For Sale by Agent

AgentGay Davis
BrokerageKeller Williams Lanier Partners

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