Active51 days listed

554 Stearns Street, Cleveland, GA 30528

  • 2bd
  • 2ba
  • 960SF
  • 23.68ac lot

Single-family home

List price

$999,000

$1,041/SF list

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FMLS IDXFMLS #7837417 · Listing Provided By Ward Properties of North Georgia, LLC · 706-493-6166 · Listing agent Ward Team

Location

554 Stearns Street, Cleveland GA 30528

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About this home

Over 1,630 feet of Chattahoochee River frontage on 23.68 private acres, featuring a flat, walkable river bottom, natural rock outcroppings, and water that can be heard from both cabins. This is not simply river access—it is river frontage, and a lot of it. The two fully remodeled cabins are all about porch living. New front and back porches extend the living spaces outdoors, creating the perfect setting for morning coffee, quiet evenings, outdoor dining, and listening to the river. Both cabins were extensively rebuilt in 2024 with new foundations, wiring, insulation, roofs, porches, appliances, water heaters, and mini-split systems. The cabins currently operate as an established, self-managed short-term rental business, generating approximately $97,000 in annual gross rental revenue through Airbnb, Vrbo, and direct bookings. Two active White County short-term rental licenses convey to the buyer, and future reservations are already on the calendar. Much of the property preparation has already been completed, including new culverts, interior roads with a loop to the lower cabin, rock retaining walls, expanded parking, a covered hot tub pad, and an RV pad with water and power. The property also features fiber internet and a year-round spring. White County has confirmed in writing that a buyer may expand the existing cabins or remove both and build one riverfront residence. The property cannot be subdivided, allowing the 23.68 acres to remain one intact, private tract. Wildlife is abundant, with deer, turkey, and turtles frequently seen throughout the river bottom. Sold fully furnished and turnkey, including appliances, furniture, hot tub, outdoor furniture, swings, and grills. The Lodgify channel manager and Stripe direct-booking system are also in place. Current property taxes are $4,802, and the majority of the acreage remains undeveloped, with conservation-use assessment available to a buyer. Approximately 15 minutes from Helen and 90 minutes from Atlanta—23.68 acres on the Chattahoochee River where porch living and the sound of the water take center stage.

How this list price compares in Cleveland

Figures are list prices from current FMLS IDX inventory (Active, Active Under Contract and Pending), not sales prices or appraisals.

Home facts

Property type
Single-family home
Status
Active
Bedrooms
2
Full baths
2
Living area
960 SF
Lot size
23.68 acres
Year built
1985
Levels
One
Main-level bedrooms
2
Parking
RV Access/Parking
Basement
Crawl Space
Style
Country, Ranch, Rustic
Construction
Cement Siding, Concrete
Roof
Metal
Flooring
Hardwood
Heating
Electric
Cooling
Central Air
Fireplaces
1
Appliances
Dishwasher, Dryer, Refrigerator, Washer
Lot
Creek On Lot, Private, Sloped, Stream or River On Lot
HOA
No
Annual tax
$4,802 (2024)
County
White

Assigned schools

As reported in the listing. Verify with the school district.

Payment estimate

Estimate the monthly payment

Prefilled with the list price of $999,000 and this week's average rate. Change anything to see your number.

Loan type
Estimated monthly payment

$7,076/mo

Principal and interest
$6,176
Property tax
$400
Home insurance
$125
Mortgage insurance
$375
Loan amount
$899,100
Cash down
$99,900

This is an estimate only. Not a lender, not a loan offer and not a rate quote. Rates: Freddie Mac PMMS weekly average for 2026-10-22: 30-yr 7.32%, 15-yr 6.68%. Tax uses the annual tax amount in the listing; insurance assumes $1,500 a year. Conventional adds 0.5% a year mortgage insurance under 20% down; FHA uses 3.5% minimum down, a 1.75% upfront premium financed and 0.55% a year MIP; VA adds a 2.15% funding fee financed under 5% down and no monthly MI. Talk to a licensed lender for a real quote.

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Questions about this home

How do I schedule a showing of this home?

Use the "Ask about this home" form on this page and include the days and times that work for you. Jeff Crowe will follow up to set up a showing.

How do I get more information about this listing?

Send your question through the form on this page. Listing details come from FMLS and are provided by Ward Properties of North Georgia, LLC, so confirm them before making an offer.

Is this home still available?

This page shows the status reported in FMLS (Active) as of the last update. Status can change quickly, so ask through the form to confirm before you tour.

How is the monthly payment estimate calculated?

It uses the list price, an average mortgage rate, the tax amount in the listing (or an estimated tax rate when none is given), estimated insurance and any HOA dues in the listing. It is an estimate only, not a loan offer. Talk to a licensed lender for a real quote.

Where can I see similar homes for sale in Cleveland?

See the similar homes section on this page, or browse all homes for sale in Cleveland, GA.

Beyond homes

Also exploring Georgia investment real estate?

Jeff Crowe is a local, full-service agent with CENTURY 21 The Avenues who also works with buyers and sellers of apartment buildings, churches, commercial property and land across Georgia. The pages below are other property types and investor research, separate from this home listing.

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