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Active106 days listed

4113 White Oak Drive, Hiawassee, GA 30546

  • 6bd
  • 3ba
  • 2,300SF
  • 1.4ac lot

Single-family homeBald Mountain Pk

List price

$344,000

$150/SF list

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FMLS IDXFMLS #7804299 · Listing Provided By HomeSmart · 678-925-1216 · Listing agent Olga Druzhinina

Location

4113 White Oak Drive, Hiawassee GA 30546

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About this home

Charming Mountain Retreat & Income-Producing Opportunity in Bald Mountain Park! Looking for privacy, flexible living spaces, and income potential? This unique multi-level mountain property offers multiple living areas plus an additional mobile unit (can be purchase separately), making it an excellent opportunity for investors, multi-generational living, or a private family mountain retreat. Enjoy the peaceful mountain setting from wraparound decks on all three levels, complete with cozy swings and quiet spaces to relax. Each level of the main home has its own private entrance, providing flexibility and privacy for family members, guests, or rental use. Upper Level: Features 2 bedrooms, 1 full bath, an open-concept living and dining area with a cozy wood-burning stove, and an updated kitchen with new cabinets and appliances. Main Level: Offers 3 furnished bedrooms, 1 full bath, and a convenient kitchenette. Terrace Level: Includes 1 bedroom, 1 full bath, and a private entrance, providing additional flexible living or guest space. A shared laundry room is conveniently accessible from all three levels of the main home. One of the units is being offered fully furnished and has been successfully operated as an Airbnb, generating approximately $1,500 per month and earning 5-star guest reviews. Based on projected rental income, the property offers attractive income-producing potential. Rental history and projections are available upon request. Recent improvements include Luxury Vinyl Plank flooring throughout, a new HVAC system, two new water heaters, and a roof approximately seven years old. Located at the end of a quiet road, the property offers exceptional privacy, a circular driveway, and ample parking while still being just minutes from downtown Hiawassee and convenient to Lake Chatuge, restaurants, shopping, hiking, boating, wineries, and the many outdoor attractions of the North Georgia mountains. Whether you're looking to expand your investment portfolio, create a multi-generational living arrangement, enjoy a family mountain getaway, or explore short- or long-term rental opportunities, this property offers exceptional versatility and possibilities. Buyer should independently verify zoning, county regulations, permitting, and any restrictions regarding short-term rentals, multiple living areas, and the use of the additional mobile unit.

How this list price compares in Hiawassee

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
6
Full baths
3
Living area
2,300 SF
Lot size
1.4 acres
Year built
1987
Levels
Three Or More
Main-level bedrooms
3
Parking
Driveway, Parking Lot, RV Access/Parking
Basement
Bath/Stubbed, Daylight, Exterior Entry, Finished, Full, Walk-Out Access
Style
Cabin, Rustic
Construction
Frame
Roof
Composition
Flooring
Vinyl
Heating
Central
Cooling
Central Air
Appliances
Dishwasher, Electric Oven, ENERGY STAR Qualified Appliances
Lot
Back Yard, Cul-De-Sac, Mountain Frontage, Private, Sloped, Wooded
HOA
No
Annual tax
$1,047 (2024)
County
Towns

Assigned schools

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

Payment estimate

Estimate the monthly payment

Prefilled with the list price of $344,000 and this week's average rate. Change anything to see your number.

Loan type
Estimated monthly payment

$2,468/mo

Principal and interest
$2,127
Property tax
$87
Home insurance
$125
Mortgage insurance
$129
Loan amount
$309,600
Cash down
$34,400

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 HomeSmart, 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 Hiawassee?

See the similar homes section on this page, or browse all homes for sale in Hiawassee, 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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