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3800 Cutcane Rd, Mineral Bluff, GA, 30559

5beds
5baths
6,010sqft
$1,489,000
$248price/sqft
$9,668/moest. monthly cost
$386,720/yrincome needed

About This Home

Discover an exceptional blend of comfort, space, and natural beauty in this 5-bedroom, 4.5-bath home set on 8.02 private acres, just 8 miles from downtown Blue Ridge. Enjoy peaceful rural living while remaining close to dining, shopping, and the charm of this mountain town. The interior features an impressive open-concept layout ideal for daily living and entertaining. The living room includes a cozy fireplace and flows into the open kitchen with a large island. Adjacent to the kitchen, the dining area offers expansive windows overlooking the forest and abundant natural light. Step outside to a spacious composite deck with views of a tranquil pond. This space is perfect for gatherings, grilling, or quiet relaxation. The main level includes three bedrooms, highlighted by a primary suite with a beautifully renovated modern rustic bathroom. Upstairs, two additional bedrooms are paired with well-appointed bathrooms for comfort and privacy. The basement level adds remarkable flexibility. It includes a reading room, a large home office, and a versatile bonus room suitable for a gym, photo studio, or additional living space. A generous entertainment area features a cozy iron stove, creating the perfect setting for hosting. A fully equipped laundry room provides everyday convenience. Outdoor living is enhanced by a covered terrace, offering a comfortable space to enjoy the mountain air year-round. The property also includes a two-car garage and a full concrete driveway extending to the road. Additional upgrades include an enhanced fireplace and a new roof for peace of mind. A scenic creek runs along the property line, and the acreage provides ample space for recreation, expansion, and privacy. Offered below appraised value, this home presents a rare opportunity to own a spacious and well-appointed mountain retreat in an exceptional natural setting.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-128.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1995

Materials

  • Roof: Shingle
  • Construction materials: Frame,Wood Siding,Log Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Traditional,Country
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Cooktop,Oven,Dishwasher,Washer,Dryer,Electric Water Heater,Gas Water Heater
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • Partial bathrooms: 1
  • Main level bedrooms: 3

Features

  • Pantry,Ceiling Fan(s),Sheetrock,Eat-in Kitchen
  • Window features: Insulated Windows,Aluminum Frames,Wood Frames
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Natural Gas,Electric,Wood Stove
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 6,010
  • Total interior livable area: 6,010 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0026 011

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck
  • Exterior features: Pasture
  • Has view: Yes
  • View description: Mountain(s),Pasture,Creek/Stream,Trees/Woods,Pond
  • Has water view: Yes
  • Water view: Creek/Stream
  • On waterfront: Yes
  • Waterfront features: Pond,Creek Access
  • Waterbody name: Cutcane Creek,Na
  • Frontage type: Road
  • Topography of land: Level,Sloping,Wooded

Lot

  • Lot size: 8 Acres
  • Features: Farm

Parking

  • Total spaces: 2
  • Parking features: Driveway,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $7,529$90,348
Home Insurance *$537$6,444
Property Taxes $1,019$12,228
Electricity $583$7,006
Total$9,668$116,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$331,474/yr
40% on housing$290,040/yr
45% on housing$257,813/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

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 30559$248
Fannin County$279

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
2026-05-05Listed for sale$1,489,000
2026-04-30Listing removed$1,500,000
2025-12-16Listed for sale$1,500,000
2012-05-04Sold$294,500
2012-01-10Sold$238,500
2006-06-16Sold$810,000

For Sale by Agent

AgentRonald Zamora
BrokerageCompass - E+E Group

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