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For sale

$649,999

Price cut $59,901

Est. monthly cost

$3,625/mo

401 Mountain Rivers Road, Mineral Bluff, GA 30559

Listing by Mountain Sotheby's International

Beds
3
Baths
3
Sq ft
2,953
Lot
1.09 acres

About this home

"MUST SEE" Extraordinary family estate and CREEK FRONT retreat along Hemptown Creek one of North Georgia's STOCKED TROUT streams nestled in Fannin County, widely known as the Trout Capital of Georgia. This rare property offers a private oasis with 241 feet of pristine water frontage, natural beauty, and exceptional versatility. The main residence (approx. 1,821 sq ft) features 2BR/2BA and blends rustic mountain charm with modern updates. Fully renovated in 2025, the home showcases new flooring, upgraded kitchen cabinetry and appliances, and beautifully updated baths. The dining area includes a beverage refrigerator with bar and glass storage, while a separate laundry room with new washer and dryer adds convenience. A wood-burning fireplace creates a warm, inviting living space. Move-in ready. Cedar siding, a metal roof, and a whole-house generator provide durability and peace of mind. A screened porch overlooks the creek, offering a front-row seat to one of the area's most sought-after trout waters, while a rock firepit along the water's edge invites relaxing evenings by the creek. Two additional living spaces enhance flexibility. The guest house/mother-in-law suite (approx. 700 sq ft) offers 1BR/1BA with kitchenette and seating area, connected to the main home by a breezeway. The tiny home (approx. 432 sq ft) is ideal for a home office, studio, guest overflow, or additional storage. Additional features include a golf cart barn (cart included), 3-car garage, garden shed, and all-paved access. Enjoy direct access to trout waters or float downstream to the Toccoa River. Conveniently located minutes from Lake Blue Ridge and the Aska Adventure Area, this property offers endless opportunities for fishing, kayaking, hiking, and biking. A rare creekfront sanctuary perfect as a private retreat, family compound, or legacy mountain escape.

Type
Single Family Residence
Year built
1989
Price per sq ft
$220
HOA
None
Garage
—
Property tax (2025)
$1,184/yr
Listed
—
MLS #
10762090

Features

WaterfrontSingle story

Interior

Master On Main Level · Split Foyer · Entrance Foyer

Appliances

Dishwasher · Dryer · Microwave · Refrigerator · Washer

Heating

Central · Heat Pump · Wood

Cooling

Ceiling Fan(s) · Central Air · Heat Pump

Flooring

Hardwood

Lot

Level

Property details

Interior

Bedrooms on main level:
3
Primary bedroom on main:
Yes
Fireplaces:
1
Laundry:
Other
Levels:
One

Exterior and lot

Lot size:
1.09 acres
Patio and porch:
Deck, Patio, Screened
Other structures:
Guest House
Waterfront features:
Stream, Creek

Construction

Architectural style:
Bungalow/Cottage, Ranch, Traditional
Construction materials:
Wood Siding
Roof:
Metal
Property condition:
Resale

Utilities

Sewer:
Septic Tank
Water source:
Public
Utilities:
Cable Available, High Speed Internet

Parking

Parking features:
Garage, Detached

Community and HOA

HOA:
No

Taxes and financial

Annual tax amount:
$1,184 (2025)
Listing terms:
1031 Exchange, Cash, Conventional, USDA Loan, VA Loan

Monthly cost

Estimated monthly cost

$3,625/mo

Principal & interest
$3,202
Property taxes
$99
Home insurance
$325

$130,000

Estimate only. Taxes use the listing's most recent figure where available; insurance assumes 0.6% of price per year, typical for the area, not including flood cover. Mortgage insurance applies below 20% down.

Price & status history

DateEventPrice
Jul 27, 2026Listed for sale$709,900

Schools

  • Other

    Elementary

  • Fannin

    Middle

  • Fannin

    High

School assignments can change — verify with the district before you buy.

Location

Listing information

Listing office:
Mountain Sotheby's International
Listing ID:
10762090
Status:
For sale
Contact phone:
706-222-5588

Source: Georgia MLS · Updated 7m ago · Nov 12, 2026, 7:30 AM ET

Georgia MLS

Listings courtesy of Georgia MLS. Listing information © 2026 Georgia MLS. All rights reserved. Each listing names its listing firm.

© 2026 Georgia MLS. All rights reserved. Information is deemed reliable but is not guaranteed. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by GAMLS. Last updated Nov 12, 2026, 7:30 AM ET

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