Active90 days listed
20 S Scruggs Street, Mountain City, GA 30562
- 3bd
- 1ba
- 864SF
- 0.12ac lot
FMLS #7812995 · Listing Provided By Warrior Realty Group · 404-788-4232 · Listing agent Shayne Sticher
About this home
Old Miss Gray's Cabin - Beautifully restored 3BR/1BA mountain cabin blending timeless charm with modern updates. Warm wood interiors, spacious bedrooms, large living room, separate dining room, and an inviting front porch create the perfect mountain retreat. The updated kitchen features granite countertops and a new gas range. Located directly across from the entrance to Black Rock Mountain State Park, offering easy access to hiking and outdoor recreation. Major improvements include a metal roof (2013) and new electrical, plumbing, gas lines, and Trane HVAC (2017). Ideal as a full-time residence, vacation home, or short-term rental investment.
How this list price compares in Mountain City
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
- 1
- Living area
- 864 SF
- Lot size
- 0.12 acres
- Year built
- 1947
- Levels
- One
- Main-level bedrooms
- 3
- Parking
- Parking Pad
- Style
- Country, Rustic
- Construction
- Wood Siding
- Roof
- Metal
- Flooring
- Wood
- Heating
- Central
- Cooling
- Ceiling Fan(s), Central Air
- Appliances
- Dishwasher, Electric Water Heater
- Lot
- Level
- HOA
- No
- Annual tax
- $396 (2024)
- County
- Rabun
Assigned schools
- HighRabun County
- MiddleRabun County
- ElementaryRabun County
As reported in the listing. Verify with the school district.
Payment estimate
Estimate the monthly payment
Prefilled with the list price of $289,900 and this week's average rate. Change anything to see your number.
$2,059/mo
- Principal and interest
- $1,792
- Property tax
- $33
- Home insurance
- $125
- Mortgage insurance
- $109
- HOA dues
- $0
- Loan amount
- $260,910
- Cash down
- $28,990
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.
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.
Other property types for sale
- apartment buildings for sale in GAApartment buildings and complexes for sale across Georgia.
- multifamily investment properties in GeorgiaDuplexes to large complexes, with screening cap rates on each building.
- church for sale in GeorgiaChurch buildings and sanctuaries for sale statewide.
- apartment buildings for sale in AtlantaApartment buildings for sale inside the City of Atlanta.
- commercial properties for sale in GeorgiaOffice, retail, industrial and other commercial buildings.
Investor research and tools
- apartment cap rates in GeorgiaMedian screening cap rates on Georgia and Atlanta apartment asks, with sample sizes.
- how to calculate NOI on an apartment buildingHow NOI is built on an apartment building, line by line, and where listing NOI goes wrong.
- DSCR explained for multifamilyDSCR loans for apartment buildings: the 1.25x test, what lenders size on, and Georgia asks.
- cash-on-cash return explainedCash-on-cash return on apartment buildings: the formula, a worked deal, and Georgia asks at today's rates.
- capitalization rate calculatorBuild NOI from rents and expenses, then solve for cap rate, price, or value.
- cash-on-cash return calculatorRent roll, expenses and the loan in one model: NOI, DSCR, cash-on-cash, cash flow, PDF.
Thinking about a rental or a building instead? Send Jeff a message.
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