59 Cedar Valley Rd
Blue Ridge, GA 30513
$629,900
3 bd · 3.5 ba · 1,024 sqft · Listed 1d ago
View on Realtor.com →Year built
2003
Sqft
1,024
Lot sqft
63,598
HOA / mo
None
Furnished
No
List date
2026-10-06T12:57:14.000000Z
Revenue
Annual revenue
$42,113
ADR
$270
Occupancy
43%
Cleaning fees (12 mo)
$8,315
Confidence
Low (42.96), 21 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $32,338
Blue Ridge Retreat. Your home away from home. Relax and Explore in nature.
Cabin · 3 bd · 3.5 ba · sleeps 8 · 0.4 mi
Revenue $12,956ADR $439Occ ≈ 8%5★ (4)
Mountain Lodge
Cabin · 3 bd · 3 ba · sleeps 6 · 0.6 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +4
Revenue $28,474ADR $317Occ ≈ 25%5★ (5)
Black Antler | Mt Views, Fire Pit, Hot Tub
Cabin · 3 bd · 3 ba · sleeps 8 · 0.6 mi
- Hot tub
- A/C
- Free parking
- Wifi
- +4
Revenue $24,995ADR $312Occ ≈ 22%5★ (17)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Great Day Lodge Cabin
| 3 bd · 2.5 ba · sleeps 8 | $24,151 | $241 | 27% | 5★ (15) | 0.4 mi | AirbnbVrboBooking |
Appalachian Getaway Cabin
| 3 bd · 3 ba · sleeps 6 | $38,928 | $271 | 39% | 5★ (4) | 0.4 mi | AirbnbBooking |
Blue Ridge Retreat. Your home away from home. Relax and Explore in nature. Cabin | 3 bd · 3.5 ba · sleeps 8 | $12,956 | $439 | 8% | 5★ (4) | 0.4 mi | Vrbo |
Hide N Seek Mountain Retreat Cabin
| 3 bd · 3 ba · sleeps 6 | $63,169 | $266 | 65% | 5★ (333) | 0.5 mi | AirbnbVrbo |
Brand-New Upscale Cabin • Near Downtown + Winery Cabin | 3 bd · 2.5 ba · sleeps 6 | $5,720 | $307 | 5% | 5★ (2) | 0.6 mi | AirbnbVrboBooking |
Blue Ridge Dreamy Sunsets Cabin
| 3 bd · 3 ba · sleeps 8 | $30,530 | $252 | 33% | 4.8★ (61) | 0.6 mi | AirbnbVrbo |
Mountain Lodge Cabin
| 3 bd · 3 ba · sleeps 6 | $28,474 | $317 | 25% | 5★ (5) | 0.6 mi | Airbnb |
Nina's Cabin - Easy access and close to town. Cabin
| 3 bd · 3 ba · sleeps 8 | $21,165 | $190 | 31% | 4.6★ (202) | 0.6 mi | AirbnbVrbo |
Black Antler | Mt Views, Fire Pit, Hot Tub Cabin
| 3 bd · 3 ba · sleeps 8 | $24,995 | $312 | 22% | 5★ (17) | 0.6 mi | Airbnb |
Abide Away-Discounted Rates Late Summer/Early Fall Cabin
| 3 bd · 3 ba · sleeps 8 | $62,517 | $358 | 48% | 5★ (39) | 0.6 mi | AirbnbVrbo |
Show 10 more
3BR/3BA Riverfront Cabin / Pets / Hot Tub/ Fishing
Cabin · 3 bd · 3 ba · sleeps 6 · 0.6 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +5
Revenue $5,720ADR $223Occ ≈ 7%5★ (6)
Cavalier Cabin
Vacation home · 3 bd · 3 ba · sleeps 8 · 0.7 mi
Revenue $30,677ADR $320Occ ≈ 26%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
3BR/3BA Riverfront Cabin / Pets / Hot Tub/ Fishing Cabin
| 3 bd · 3 ba · sleeps 6 | $5,720 | $223 | 7% | 5★ (6) | 0.6 mi | Airbnb |
Blue Ridge Retreat: Relax, Rejuvenate, Explore. Cabin | 3 bd · 3.5 ba · sleeps 8 | $47,090 | $475 | 27% | 5★ (28) | 0.6 mi | AirbnbBooking |
Cedar Ridge | Hot Tub + Game Room + Fire Pit Cabin
| 3 bd · 3 ba · sleeps 8 | $33,999 | $321 | 29% | 5★ (55) | 0.6 mi | AirbnbVrboBooking |
Catch of the Day - Epworth GA- Fightingtown Creek Cabin | 3 bd · 3 ba · sleeps 6 | $78,763 | $290 | 74% | 4.4★ (12) | 0.6 mi | AirbnbBooking |
Cavalier Cabin Vacation home | 3 bd · 3 ba · sleeps 8 | $30,677 | $320 | 26% | — | 0.7 mi | Booking |
Sunset Pointe - Hot tub, games, fire pit, & more! Cabin | 3 bd · 3 ba · sleeps 8 | $51,747 | $313 | 45% | 4.5★ (22) | 0.7 mi | AirbnbBooking |
Sauna-Hot tub-Pool table-Pickleball-Treehouse Cabin | 3 bd · 2.5 ba · sleeps 8 | $3,825 | $546 | 2% | 5★ (2) | 0.7 mi | AirbnbVrbo |
Blue Deer Mountain House
| 3 bd · 2.5 ba · sleeps 8 | $45,539 | $220 | 57% | 5★ (44) | 0.7 mi | AirbnbVrbo |
Ain't Life Grand -Hot tub, Pool table, Fire pit Cabin
| 3 bd · 3 ba · sleeps 9 | $44,930 | $359 | 34% | 4.8★ (21) | 0.7 mi | AirbnbVrboBooking |
Modern Cabin w/Outdoor Living - Prime Location Cabin | 3 bd · 3.5 ba · sleeps 7 | $42,512 | $236 | 49% | 4.9★ (63) | 0.7 mi | AirbnbVrbo |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Rate 8.03% = 7.28% Freddie Mac 30-yr avg (Oct 1) + 0.75% investor premium
Est. revenue
$42,113
NOI
$19,403
Cash flow /mo
-$1,859
Cash needed
$202,171
Cash-on-cash
-11.0%
ROE (yr 1)
0.3%
Cap rate
3.1%
DSCR
0.47
Year-1 write-off
$160,430
Year-1 tax shield @ 32%
$51,337
Year-1 return on equity
- Cash flow (annual)-$22,314
- Principal paydown$3,923
- Appreciation at%$18,897
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$8,423
- Platform fees (3% of revenue)$1,263
- Maintenance / capex (5% of revenue)$2,106
- Utilities & supplies$4,200
- HOA$0
- Property tax$10
- Insurance (STR-rated)$6,708
Cash needed to close
- Down payment (25%)$157,475
- Closing costs (4.0%)$25,196
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$51,337
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$588,000
Short-life (5/15-yr)
$140,000 · 24%
Year-1 deduction
$160,000
Year-1 tax shield @ 32%
$51,000
Land 7% (county tax record, market value split) · building $448,000 over 39 years · new furniture $20,000
Based on: 1,024 sq ft, built 2003, 3 bd / 3.5 ba, unfurnished, listing features (deck, fireplace, flooring types, appliance list, septic).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $98,000 in year 1 (13% short-life, $31,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $15,400
Kitchen cabinetsdefault
$8,000 new × 40% good × 4.80 allocation
- $12,600
Kitchen countertopsdefault
$6,600 new × 40% good × 4.80 allocation
- $3,400
Decorative trimdefault
$1,800 new × 40% good × 4.80 allocation
- $900
Mirrorsdefault
$500 new × 40% good × 4.80 allocation
- $2,300
Shelvingdefault
$1,200 new × 40% good × 4.80 allocation
- $4,800
Window coverings (10)default
$2,500 new × 40% good × 4.80 allocation
- $3,200
Carpet, vinyl & laminate (25% of floors)listing
$1,600 new × 40% good × 4.80 allocation
- $16,200
Kitchen & laundry equipment plumbingdefault
$6,300 new × 54% good × 4.80 allocation
- $9,800
Kitchen, laundry & data equipment electricaldefault
$3,800 new × 54% good × 4.80 allocation
- $10,600
Appliances (range, microwave, dishwasher, washer, dryer)listing
$5,500 new × 40% good × 4.80 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $15,900
Paving: driveway & walks (paved)default
$6,600 new × 50% good × 4.80 allocation
- $15,300
Landscaping (typical)default
$6,400 new × 50% good × 4.80 allocation
- $2,400
Patiosdefault
$1,000 new × 50% good × 4.80 allocation
- $27,600
Decks & porches (attached)listing
$11,500 new × 50% good × 4.80 allocation
- $326,000
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$110,200 new × 62% good × 4.80 allocation
- $29,700
Building plumbing & fixturesdefault
$11,500 new × 54% good × 4.80 allocation
- $26,600
Building electrical & lightingdefault
$10,300 new × 54% good × 4.80 allocation
- $22,100
HVACdefault
$11,500 new × 40% good × 4.80 allocation
- $9,500
Hardwood & tile floorsdefault
$4,900 new × 40% good × 4.80 allocation
- $5,100
Fireplacelisting
$2,600 new × 40% good × 4.80 allocation
- $28,800
Septic systemlisting
$12,000 new × 50% good × 4.80 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $98,700 | $61,300 | $500 | $160,400 |
| 2 | $0 | $0 | $11,500 | $11,500 |
| 3 | $0 | $0 | $11,500 | $11,500 |
| 4 | $0 | $0 | $11,500 | $11,500 |
| 5 | $0 | $0 | $11,500 | $11,500 |
| 6+ | $0 | $0 | $401,300 | $401,300 |
| Total | $98,700 | $61,300 | $447,700 | $607,700 |
The building's share of the price ($588,000) is 4.8x our depreciated replacement cost of the home ($123,000). The IRS guide treats a gap this size as a reason to review the land share: if land is worth more than the county ratio says, the basis and the write-off are smaller.
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California, Georgia and Wisconsin disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Fannin and Gilmer counties require STR registration and lodging tax; no cap found. Blue Ridge and Ellijay city limits have their own rules; most cabins are in unincorporated county.