Mineral Bluff Homes under $500,000

Welcome to Mineral Bluff, Georgia—a hidden gem nestled in the picturesque North Georgia mountains. This serene town is part of Fannin County and offers a delightful blend of natural beauty, rich history, and a tight-knit community. With its lush forests, rolling hills, and breathtaking views, Mineral Bluff is an outdoor enthusiast's paradise, perfect for hiking, fishing, or simply enjoying the tranquil surroundings.

One of the most appealing aspects of Mineral Bluff is its affordability. The real estate market here offers a variety of charming homes priced under $500,000, making it an ideal destination for first-time homebuyers, families, or those looking to invest in a vacation retreat. From cozy cabins with rustic charm to modern homes with all the amenities, there’s something for everyone in this welcoming community.

Imagine waking up to the sound of birds chirping and the gentle rustle of leaves, all while being just a short drive away from the vibrant towns of Blue Ridge and McCaysville. Mineral Bluff provides a peaceful escape while still offering convenient access to shopping, dining, and recreational activities.

Whether you’re seeking a permanent residence or a getaway from the hustle and bustle of city life, Mineral Bluff is a place where you can truly unwind and connect with nature. Explore the beautiful homes available under $500,000 and discover the enchanting lifestyle that awaits you in this charming mountain town. Your dream home in Mineral Bluff is just a visit away!

Newest Mineral Bluff Homes under $500,000

$419,900

1 Beds ⋅ 1 Baths ⋅ 436619 MLS

**TURN-KEY, FULLY FURNISHED , ACTIVE SHORT-TERM RENTAL!** Escape to this charming 1-bedroom, 1-bath Modern Rustic cabin overlooking a peaceful pond, complete with a small creek where the soothing sound of flowing water adds to the relaxing mountain atmosphere. Whether you're searching for a romantic couples retreat, personal mountain getaway, or established investment property, this cabin is ready to enjoy from day one. An abundance of windows fills the home with natural light while bringing the beautiful outdoor setting and water views inside. The kitchen features granite countertops, ample cabinetry, and just the right amount of space to prepare a meal, while the adjoining dining area overlooks the water—the perfect setting for morning coffee or a quiet dinner for two. Upstairs, the spacious loft bedroom offers a comfortable sitting area, plenty of room for an additional bed or sleeping space, and its own private deck—an ideal place to unwind, breathe in the mountain air, and listen to the peaceful sounds of the nearby creek. The cabin is located within a Gated Community, offering privacy and controlled access; however, this property is not subject to the community's covenants and restrictions, providing added flexibility for the new owner. Currently operating as a Part-time Active Short-Term rental, the property is being sold turn-key and furnished, making the transition easy for an investor or second-home buyer. And the location is hard to beat! You're just minutes from the Golf Course and the Toccoa River, where fishing, tubing, kayaking, and outdoor adventures await, and just a 10-minute drive to Downtown Blue Ridge for shopping, dining, breweries, entertainment, and everything this popular mountain town has to offer.

427 Cross Creek, Mineral Bluff

$399,900

2 Beds ⋅ 5 Baths ⋅ 436601 MLS

Discover the perfect blend of rustic mountain charm, comfortable living, and income-producing potential in this inviting North Georgia cabin, located less than 7.5 miles from Downtown Blue Ridge! Featuring a detached garage, and a finished terrace level with separate access, this property offers flexibility for a full-time residence, mountain getaway, multigenerational living, or potential rental investment. Step inside to an impressive open-concept great room showcasing soaring vaulted ceilings, exposed wood beams, a cozy fireplace, and expansive windows that fill the home with natural light while framing peaceful wooded views. The spacious kitchen features stainless steel appliances and ample cabinetry, making it ideal for everyday living and entertaining. Both bedrooms feature private en-suite bathrooms for added comfort and privacy. One of this property's standout features is its versatile finished terrace level, offering additional living and sleeping areas, plus apartment-style space with a separate entrance. This unique layout creates opportunities for guest accommodations, extended family, or potential rental income while maintaining privacy in the main and upper living areas. Outdoor living is equally inviting! Relax or entertain on the expansive deck, enjoy the tranquil wooded surroundings, or gather around the outdoor fire pit for evenings under the stars. Conveniently located near Downtown Blue Ridge, Lake Blue Ridge, hiking trails, fishing, boating, shopping, and dining, this property offers the mountain lifestyle buyers are searching for. Whether you're seeking a personal mountain escape, a primary residence with separate living quarters, or an investment opportunity, this Mineral Bluff retreat offers exceptional versatility in a desirable North Georgia location!

102 Frosty Mountain Road, Mineral Bluff

$499,000

2 Beds ⋅ 2 Baths ⋅ 436535 MLS

Brand-New Mountain Home in Mineral Bluff! Located just 2 miles from downtown McCaysville, this beautifully crafted 2-bedroom, 2-bath home blends modern comfort with the rustic character of North Georgia mountain living. Thoughtful details include pine floors throughout, granite countertops, warm wood finishes, and a stacked-stone fireplace that anchors the open living space. The one-level floor plan offers easy, comfortable living, while the level lot and paved access provide convenient year-round accessibility. Outside, a spacious outdoor living area and fire pit create the perfect setting for relaxing, entertaining, and enjoying cool mountain evenings. Short-term rental friendly and conveniently located near McCaysville, Blue Ridge, the Toccoa River, dining, shopping, and outdoor recreation. The community area across the street includes a pond and Wolf Creek access to enjoy fishing or relaxing. Whether you're searching for a full-time residence, mountain getaway, or investment property, this new construction offers the craftsmanship, location, and lifestyle buyers are looking for in the North Georgia mountains.

93 Arbor Creek Pointe, Mineral Bluff

$329,999

6 Beds ⋅ 3 Baths ⋅ 436062 MLS

Nestled in the heart of Mineral Bluff, this home boasts the vistas and charm buyers dream about. Surrounded by rolling hills, pastures, hardwoods, and fresh mountain air, this property invites you to slow down, spread out, and truly enjoy home. From the moment you arrive, you'll appreciate the serene setting and generous space-perfect for morning coffee on the porch, evening sunsets, and everything in between. Inside, the home blends warmth and functionality, creating inviting spaces for gathering, relaxing, or hosting friends and family. Whether you're looking for: A full-time residence in the North Georgia mountains A private weekend retreat Or an investment opportunity in a sought-after area ...this property checks the boxes. Conveniently located just 10 minutes from Blue Ridge, you'll enjoy easy access to boutique shopping, dining, hiking trails, and outdoor adventures while still savoring the quiet of country living. If you've been searching for that unmistakable mountain-town feel-1359 Salem Road is ready to welcome you home. County water coming soon!

1359 Salem Road, Mineral Bluff

$499,000

4 Beds ⋅ 4 Baths ⋅ 435766 MLS

Discover the tranquil lifestyle awaiting at 999 Old Mill Road, Mineral Bluff, GA, a residential property designed for comfort and ease. This home offers a barn with workshop area and storage loft with approximately 1 acre fenced for your farm animals and a RV shed with power. With four bedrooms, this residence provides ample private space for residents and guests. The three full bathrooms are thoughtfully appointed, ensuring convenience and comfort for all. An additional half bath adds to the functional design of the home. A 12ft. screened porch, heated floors in the master and a country kitchen with a huge walk-in pantry. The finished terrace level could be a long- or short-term rental to generate income-separate entrance/apartment with its own outside porch area. Outside this property presents an opportunity to embrace a lifestyle of homesteading with a fenced in garden area and no restrictions while having the convenience of being between Mineral Bluff and McCaysville.

999 Old Mill Road, Mineral Bluff

$499,900

2 Beds ⋅ 2 Baths ⋅ 435754 MLS

Still under construction so you can pick out the finishes. Sitting on gentle property surrounded by mature hardwoods. Inside, you'll find an inviting open concept, with open living concept, sliding glass doors and transom windows bring in natural light and open the living area to an impressive covered outdoor living space. The spacious porch features a second wood burning fireplace, making it the perfect place to relax and enjoy the quiet North Georgia setting. Additional highlights include ti walk-in shower, a dedicated laundry area, and a buried underground propane tank. Outside, the level-to-gently rolling terrain and plenty of usable space and easy access. Conveniently located just outside McCaysville and within easy reach of Blue Ridge, the Toccoa River, Lake Blue Ridge, dining, shopping, and outdoor recreation. Some of the Pictures are of the first model home.

Lt 6 Wolf Creek Trail, Mineral Bluff

$495,000

3 Beds ⋅ 2 Baths ⋅ 435738 MLS

Welcome to 177 Shangri La Drive, a private mountain retreat nestled in the heart of 3 beautiful UNRESTRICTED acres offering the perfect blend of comfort, tranquility, and endless possibilities. Surrounded by a mix of beautiful well established yard and mature woods, this picturesque property features year-round long-range mountain views, a peaceful pond, and the privacy you've been dreaming of. Inside, you'll find a beautifully maintained 3-bedroom, 2-bath home with all bedrooms conveniently located on the main level. Fresh interior paint and updated bathrooms create a bright, move-in-ready atmosphere, while hardwood floors flow throughout the main living areas. Large windows showcase the stunning mountain scenery, bringing the outdoors in. The beautiful, spacious kitchen is the heart of the home, offering abundant workspace and gathering space, while the adjoining sunroom provides the perfect spot to enjoy morning coffee, entertain guests, or simply relax and take in the views. A versatile bonus room offers flexibility for a home office, playroom, guest room, or potential 4th bedroom. The full unfinished basement provides endless opportunities for future expansion, whether you envision additional living space, a recreation room, workshop, home gym or storage. Outside, the acreage offers room to roam, garden, explore, add a pool for the kids or simply enjoy the peaceful setting. The combination of open pasture, wooded privacy, mountain views, and a charming pond creates a truly special property. An attached 2-car garage adds convenience and functionality. Whether you're looking for a full-time residence, hobby farm, family homestead, or private mountain escape, 177 Shangri La Drive offers the rare opportunity to enjoy country living with space, privacy, and breathtaking natural beauty all around.

177 - H Shangri La Drive, Mineral Bluff

$339,000

2 Beds ⋅ 1 Baths ⋅ 435379 MLS

Tucked away in a peaceful North Georgia setting, this charming 2-bedroom, 1-bath Creekside cabin is the perfect mountain retreat. Perched just steps from the banks of beautiful Hothouse Creek, a prized trout fishing stream, you'll love falling asleep to the soothing sounds of rushing water and waking up surrounded by nature. Privacy is a standout feature, with the cabin thoughtfully positioned right off the creek for an immersive waterfront experience. Whether you're casting a line, relaxing on the porch, or enjoying a morning coffee, this property delivers the mountain lifestyle buyers dream about. Located in a welcoming small neighborhood with well-maintained roads and a reliable community water system, access is easy while still feeling worlds away from the hustle and bustle. Even better, neighbors voluntarily stock the creek twice a year, helping keep the fishing enjoyable season after season. Ideal as a full-time residence, weekend getaway, or income-producing rental, this cozy cabin offers the rare combination of privacy, water frontage, and convenience in one special package.

150 Donna Lee Lane, Mineral Bluff

$255,000

3 Beds ⋅ 2 Baths ⋅ 435294 MLS

Tucked along GA-60 Spur in Mineral Bluff, this three-bedroom, two-bathroom home sits quietly waiting for someone with vision to breathe new life into its bones. The bones are good — a solid structure with an attached carport, a dedicated laundry and mudroom, and a layout designed around comfortable family living. What it needs now is your personal touch to transform it back into something truly special. The yard here tells its own story. Mature trees create a natural canopy of privacy while still allowing generous green space for gardens, play areas, or weekend gatherings around a firepit. It feels tucked away without feeling isolated — exactly the kind of setting that makes mountain living so appealing. Location places this property in a sweet spot between two of the region's most popular destinations. Blue Ridge sits just minutes south with its charming downtown shops and scenic railway, while Murphy, North Carolina, waits to the northeast with Harrah's Cherokee Valley River Casino and additional dining and shopping. Nearby Project Chimps in Morganton adds a unique attraction visitors love discovering. For investors eyeing the booming North Georgia rental market, this address checks critical boxes. Proximity to sought-after mountain towns, an attractive price point, and the ability to customize renovations specifically for short-term rental appeal create a compelling opportunity. Put your stamp on every detail and maximize returns from day one. Whether you're building equity through a thoughtful flip, crafting your family's forever home, or launching a rental venture, this Mineral Bluff property offers a canvas rich with possibility.

6090 Murphy Hwy, Mineral Bluff

$479,900

2 Beds ⋅ 2 Baths ⋅ 435143 MLS

NEW CONSTRUCTION + 1.8 ACRES + USABLE LAND + TWO FIREPLACES + LARGE COVERED OUTDOOR LIVING. Rustic modern mountain living in a peaceful setting just outside of McCaysville! This beautifully crafted cabin blends warm mountain character with clean modern finishes and sits on gently rolling property with seasonal view and surrounded by mature hardwoods. Inside, you'll find an inviting open-concept living area featuring wood floors and ceilings, light wood walls, a floor-to-ceiling stacked-stone fireplace, custom cabinetry, granite countertops, stainless appliances, and an oversized island. Large sliding glass doors and transom windows bring in natural light and open the living area to an impressive covered outdoor living space. The spacious porch features a second stacked-stone fireplace, making it the perfect place to relax and enjoy the quiet North Georgia setting. Additional highlights include tiled walk-in showers with glass doors, double vanity, black fixtures, a dedicated laundry area with washer and dryer, and a buried underground propane tank. Outside, the level-to-gently rolling terrain and large gravel parking area provide plenty of usable space and easy access. A great combination of craftsmanship, privacy, usable land, and modern mountain style—all conveniently located just outside McCaysville and within easy reach of Blue Ridge, the Toccoa River, dining, shopping, and outdoor recreation.

319 Wolf Creek Trail, Mineral Bluff

$499,000

2 Beds ⋅ 2 Baths ⋅ 435092 MLS

Own a piece of Fannin County history with this masterfully restored 1890 home, nestled in the heart of charming downtown Mineral Bluff. Offering 1,487 sq. ft. of blended vintage charm and modern construction, this flexible space is great for residential, STR, a second home or combined residential/commercial use. It is easy to imagine this as a family home, vacation rental, or art studio, bookstore, antique shop, coffee house, etc. Completely rebuilt in 2025, and being sold furnished, this 2-bedroom, 1.5-bath home features ALL-NEW plumbing, electrical, HVAC, appliances, cabinetry, and tongue-and-groove flooring while preserving original details like hand-hewn mantels, reclaimed wood accents, including refinished original wood floors in the loft. One of the centerpieces of this property is the original stone decorative fireplace that faces the parlor and front bedroom, and is prominently featured in the center of the upstairs loft. In addition to the main living spaces, the spacious loft offers incredible flexibility for a home office, studio, fitness space, reading nook, or an additional multi-purpose room. Situated on a rare 1.02-acre double lot—which includes a 0.66-acre parcel included behind the home—the property offers ample flexibility for expansion, additional parking, or even a second building or home. Enjoy sitting on the covered 280-square foot back porch enjoying nature while overlooking a beautiful and usable flat yard, with a firepit and plenty of room for entertaining, gardening, and outdoor enjoyment. Additional features include the finished “Patty Shack” cottage with HVAC, workshop space, and the separate “He Shed,” perfect for hobbies, creative projects, or extra storage. Centrally located on a main street in downtown Mineral Bluff with easy access to the crossroads leading to Blue Ridge, Morganton, McCaysville, Blairsville and Murphy.

8679 Lakewood Hwy, Mineral Bluff

$477,900

2 Beds ⋅ 2 Baths ⋅ 435085 MLS

This stunning new custom cottage sits on 1.52 beautiful acres with mountain views and a level yard, offering the perfect blend of charm, comfort, and convenience. Featuring 2 bedrooms and 2 baths, the home showcases a custom kitchen with quality finishes, beautiful tile showers, and a custom staircase that adds unique character. Large windows fill the space with natural light and highlight the surrounding scenery. A full unfinished basement provides endless potential for expansion, storage,or creating additional living space. Main Level and Walk-out Basement level each have their own Heat and Air Units, hot water tanks, and laundry hook - ups. Kitchen ready and Tub in Place. Easily convert to a DUPLEX. Outside, you'll find fruit trees and paved road frontage in a peaceful setting just 1/2 mile from the Ocoee River. Ideally located only 5 minutes to downtown McCaysville, 18 minutes to downtown Blue Ridge, and 30 minutes to Murphy Casino, this property is perfect as a full-time resident, mountain retreat, rental or investment opportunity. Close to Horse Shoe Bend Park. Adjoining Property is listed MLS 435086 82 Indian Trace.....Or Buy Both Together MLS 435087 ......

1772 River Road, Mineral Bluff

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