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Active173 days listed

401 Mountain Rivers Road, Mineral Bluff, GA 30559

  • 3bd
  • 3ba
  • 2,953SF
  • 1.09ac lot

Single-family home

List price

$649,999

$220/SF list

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FMLS IDXFMLS #7768718 · Listing Provided By Mountain Sotheby's International Realty · 706-222-5588 · Listing agent Rita Davis-Kirby

Location

401 Mountain Rivers Road, Mineral Bluff GA 30559

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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.

How this list price compares in Mineral Bluff

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
3
Full baths
3
Living area
2,953 SF
Lot size
1.09 acres
Year built
1989
Levels
One
Main-level bedrooms
3
Garage spaces
3
Parking
Detached, Garage
Style
Ranch, Traditional
Construction
Wood Siding
Roof
Metal
Flooring
Hardwood
Heating
Central, Heat Pump
Cooling
Ceiling Fan(s), Central Air, Heat Pump
Fireplaces
1
Appliances
Dishwasher, Dryer, Microwave, Refrigerator, Washer
Lot
Level, Wooded
HOA
No
Annual tax
$1,184 (2025)
County
Fannin

Assigned schools

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

Payment estimate

Estimate the monthly payment

Prefilled with the list price of $649,999 and this week's average rate. Change anything to see your number.

Loan type
Estimated monthly payment

$4,486/mo

Principal and interest
$4,019
Property tax
$99
Home insurance
$125
Mortgage insurance
$244
Loan amount
$584,999
Cash down
$65,000

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 Mountain Sotheby's International Realty, 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 Mineral Bluff?

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

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