458 River Ridge Dr
Blue Ridge, GA 30513
$749,900
3 bd · 3 ba · 3,000 sqft · Listed 1d ago
View on Realtor.com →Year built
2020
Sqft
3,000
Lot sqft
58,370
HOA / mo
None
Furnished
No
List date
2026-11-11T18:24:14.000000Z
Revenue
Annual revenue
$60,988
ADR
$284
Occupancy
59%
Cleaning fees (12 mo)
$13,430
Confidence
Med (64.37), 38 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $59,806
Sleeps 4-8 guests, river access-hot tub- one story
Cabin · 3 bd · 3 ba · sleeps 8 · 0.2 mi
Revenue $43,000ADR $284Occ ≈ 41%5★ (46)
Bear-Guarded Firepit • Sauna • Game Room • Hot Tub
Cabin · 3 bd · 3.5 ba · sleeps 10 · 0.3 mi
- Hot tub
- A/C
- Free parking
- Pets OK
- +6
Revenue $87,981ADR $343Occ ≈ 70%5★ (74)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Toccoa River Mist - Relax Riverside by Firelight Cabin | 3 bd · 2 ba · sleeps 6 | $69,496 | $360 | 53% | 4.8★ (91) | 0.1 mi | AirbnbVrboBooking |
Wily Wolf | Outdoor Living, Fire Pit, Deck & Games Cabin
| 3 bd · 3 ba · sleeps 10 | $69,895 | $312 | 61% | 5★ (281) | 0.2 mi | AirbnbVrboBooking |
Sleeps 4-8 guests, river access-hot tub- one story Cabin | 3 bd · 3 ba · sleeps 8 | $43,000 | $284 | 41% | 5★ (46) | 0.2 mi | Airbnb |
Modern River Retreat - Hot Tub, EV Charger & River Cabin
| 3 bd · 3 ba · sleeps 6 | $69,466 | $358 | 53% | 4.9★ (70) | 0.2 mi | AirbnbVrboBooking |
Hoops • Sauna • Game Room • Daily Deer Cabin
| 3 bd · 3.5 ba · sleeps 10 | $102,961 | $400 | 71% | 4.9★ (189) | 0.3 mi | AirbnbVrboBooking |
Bear-Guarded Firepit • Sauna • Game Room • Hot Tub Cabin
| 3 bd · 3.5 ba · sleeps 10 | $87,981 | $343 | 70% | 5★ (74) | 0.3 mi | Airbnb |
Pickleball • Mini Golf • Hot Tub • Great Views Cabin
| 3 bd · 3.5 ba · sleeps 9 | $85,699 | $371 | 63% | 5★ (138) | 0.3 mi | AirbnbVrbo |
Close to Downtown! Hot Tub | Fire Pit | Game Room Cabin
| 3 bd · 3.5 ba · sleeps 8 | $78,543 | $284 | 76% | 5★ (259) | 0.3 mi | AirbnbVrbo |
Pickleball | Hot tub | Gameroom | 6 min to BR Cabin
| 3 bd · 3.5 ba · sleeps 10 | $46,085 | $349 | 36% | 5★ (32) | 0.3 mi | AirbnbVrbo |
Fall Color Top Rated Luxury Cabin Location Hot Tub Cabin
| 3 bd · 3.5 ba · sleeps 8 | $55,286 | $281 | 54% | 5★ (206) | 0.3 mi | AirbnbVrbo |
Show 27 more
River Access-Dwntn 11 Min-Pool Table-Hot Tub-Views
House · 3 bd · 3 ba · sleeps 10 · 0.4 mi
Revenue $61,430ADR $401Occ ≈ 42%4.9★ (73)
Pickleball in the Woods-Sauna-Hottub-Gameroom
House · 3 bd · 3.5 ba · sleeps 10 · 0.5 mi
Revenue $48,345ADR $389Occ ≈ 34%4.9★ (25)
12 minutes from downtown Blue Ridge! EV Charger, bunkroom, game room, fire pit.
Cabin · 3 bd · 3.5 ba · sleeps 9 · 0.6 mi
Revenue $9,324ADR $437Occ ≈ 6%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Silverberry Lodge Forest Escape Cabin
| 3 bd · 3.5 ba · sleeps 6 | $49,596 | $241 | 56% | 5★ (50) | 0.4 mi | AirbnbVrboBooking |
Fun for All! 8 Min Downtown, Games, Views, Hot Tub Cabin
| 3 bd · 3 ba · sleeps 6 | $53,836 | $285 | 52% | 5★ (148) | 0.4 mi | AirbnbVrbo |
Gorgeous Mountain Cabin, Close to Blue Ridge, Fun Cabin
| 3 bd · 3.5 ba · sleeps 6 | $27,148 | $329 | 23% | 5★ (21) | 0.4 mi | AirbnbVrboBooking |
River Access-Dwntn 11 Min-Pool Table-Hot Tub-Views House | 3 bd · 3 ba · sleeps 10 | $61,430 | $401 | 42% | 4.9★ (73) | 0.4 mi | Airbnb |
Toccoa River Station | Blue Ridge, Ga Cabin
| 3 bd · 3 ba · sleeps 8 | $41,644 | $332 | 34% | 4.8★ (7) | 0.4 mi | AirbnbVrbo |
Take a Paws - close to downtown, fenced yard, pets Cabin
| 3 bd · 3.5 ba · sleeps 8 | $75,114 | $325 | 63% | 5★ (108) | 0.4 mi | AirbnbVrboBooking |
The Ultimate Entertainment Cabin: Raven’s Retreat Cabin
| 3 bd · 3.5 ba · sleeps 8 | $36,841 | $282 | 36% | 5★ (60) | 0.4 mi | AirbnbVrboBooking |
Perfect Fall Retreat-Game Room/Fireplace/Creek Cabin
| 3 bd · 3 ba · sleeps 8 | $60,410 | $283 | 58% | 5★ (180) | 0.4 mi | AirbnbVrbo |
Mt View, Spa, Firepit, EV Chrgr & Pvt Riverside Pk Cabin
| 3 bd · 3.5 ba · sleeps 6 | $27,425 | $377 | 20% | 5★ (5) | 0.4 mi | AirbnbVrbo |
New Cabin, Blue Ridge, GA. 5 Miles from Downtown! Cabin
| 3 bd · 2 ba · sleeps 10 | $31,461 | $322 | 27% | 5★ (98) | 0.4 mi | AirbnbVrboBooking |
Blackberry Hill: A Dog Friendly Cabin in the Woods Cabin
| 3 bd · 3 ba · sleeps 6 | $54,665 | $225 | 67% | 5★ (250) | 0.4 mi | AirbnbVrbo |
Basketball| Giant Chess | Putting | Game Room Cabin
| 3 bd · 3.5 ba · sleeps 10 | $98,581 | $353 | 77% | 5★ (228) | 0.5 mi | AirbnbVrbo |
Cozy Hideaway Near Toccoa River, Downtown & Lake Cabin
| 3 bd · 3.5 ba · sleeps 6 | $49,426 | $414 | 33% | 5★ (71) | 0.5 mi | AirbnbVrbo |
S’more Fun - Pets, fenced yard, close to downtown Cabin
| 3 bd · 3 ba · sleeps 8 | $67,461 | $301 | 61% | 5★ (31) | 0.5 mi | AirbnbVrbo |
Knotty Dreams Retreat Cabin
| 3 bd · 3.5 ba · sleeps 8 | $67,247 | $265 | 70% | 5★ (168) | 0.5 mi | AirbnbVrbo |
Fern Creek Hollow Lodge- Blue Ridge Ga Cabin | 3 bd · 3.5 ba · sleeps 8 | $64,705 | $350 | 51% | 5★ (6) | 0.5 mi | AirbnbBooking |
Luxury Cabin w/ Hot Tub & Fire Pit Retreat Cabin
| 3 bd · 3.5 ba · sleeps 6 | $59,806 | $387 | 42% | 4.9★ (32) | 0.5 mi | AirbnbVrbo |
4 M to Blue Ridge/Hot Tub/GameRm/Pets/Sleeps 10 Cabin
| 3 bd · 3.5 ba · sleeps 10 | $86,273 | $315 | 75% | 5★ (100) | 0.5 mi | AirbnbVrbo |
Pickleball in the Woods-Sauna-Hottub-Gameroom House | 3 bd · 3.5 ba · sleeps 10 | $48,345 | $389 | 34% | 4.9★ (25) | 0.5 mi | Airbnb |
Flat 6 Minute Drive To Town- EVCharger-2 Masters Cabin
| 3 bd · 3.5 ba · sleeps 9 | $68,876 | $284 | 66% | 5★ (135) | 0.5 mi | AirbnbVrbo |
Fenced Yard, Paved roads, Pet friendly, 3 Kings Cabin
| 3 bd · 3.5 ba · sleeps 8 | $47,361 | $309 | 42% | 5★ (28) | 0.5 mi | AirbnbVrbo |
Toccoa Modern | Riverfront + Hot Tub + Near DT Cabin
| 3 bd · 3.5 ba · sleeps 8 | $53,281 | $306 | 48% | 5★ (41) | 0.5 mi | AirbnbVrbo |
Wolfs Den II- Shuffleboard, Foosball, Firepit+more Cabin
| 3 bd · 3.5 ba · sleeps 8 | $31,567 | $337 | 26% | 5★ (5) | 0.5 mi | AirbnbVrboBooking |
Cabin w/ Hot Tub & Sauna: 5 Mi to Dtwn Blue Ridge! Cabin
| 3 bd · 3.5 ba · sleeps 9 | $77,694 | $344 | 62% | 5★ (91) | 0.5 mi | AirbnbVrboBooking |
Fall Leaves. Fire Pit + Hot Tub Nights. Cabin
| 3 bd · 3.5 ba · sleeps 9 | $74,050 | $298 | 68% | 5★ (173) | 0.6 mi | AirbnbVrboBooking |
12 minutes from downtown Blue Ridge! EV Charger, bunkroom, game room, fire pit. Cabin | 3 bd · 3.5 ba · sleeps 9 | $9,324 | $437 | 6% | — | 0.6 mi | Vrbo |
BeauJax Cabin Cabin
| 3 bd · 3.5 ba · sleeps 9 | $41,242 | $312 | 36% | 5★ (5) | 0.7 mi | AirbnbVrboBooking |
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 7.93% = 7.18% Freddie Mac 30-yr avg (Nov 5) + 0.75% investor premium
Est. revenue
$60,988
NOI
$30,292
Cash flow /mo
-$1,575
Cash needed
$236,971
Cash-on-cash
-8.0%
ROE (yr 1)
3.5%
Cap rate
4.0%
DSCR
0.62
Year-1 write-off
$140,779
Year-1 tax shield @ 32%
$45,049
Year-1 return on equity
- Cash flow (annual)-$18,902
- Principal paydown$4,764
- Appreciation at%$22,497
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)$12,198
- Platform fees (3% of revenue)$1,830
- Maintenance / capex (5% of revenue)$3,049
- Utilities & supplies$4,200
- HOA$0
- Property tax$1,433
- Insurance (STR-rated)$7,986
Cash needed to close
- Down payment (25%)$187,475
- Closing costs (4.0%)$29,996
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$45,049
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
$610,000
Short-life (5/15-yr)
$121,000 · 20%
Year-1 deduction
$141,000
Year-1 tax shield @ 32%
$45,000
Land 19% (county tax record, market value split) · building $489,000 over 39 years · new furniture $20,000
Based on: 3,000 sq ft, built 2020, 3 bd / 3 ba, unfurnished, listing features (hot tub, deck, patio, fireplace, stone counters, flooring types, appliance list, septic).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $83,000 in year 1 (10% short-life, $27,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $11,400
Kitchen cabinetsdefault
$12,400 new × 76% good × 1.21 allocation
- $11,600
Kitchen countertops (stone)listing
$12,700 new × 76% good × 1.21 allocation
- $4,800
Decorative trimdefault
$5,300 new × 76% good × 1.21 allocation
- $300
Mirrorsdefault
$500 new × 50% good × 1.21 allocation
- $1,100
Shelvingdefault
$1,200 new × 76% good × 1.21 allocation
- $3,600
Window coverings (30)default
$7,500 new × 40% good × 1.21 allocation
- $2,300
Carpet, vinyl & laminate (20% of floors)listing
$3,900 new × 50% good × 1.21 allocation
- $10,200
Kitchen & laundry equipment plumbingdefault
$9,600 new × 88% good × 1.21 allocation
- $6,200
Kitchen, laundry & data equipment electricaldefault
$5,800 new × 88% good × 1.21 allocation
- $3,400
Appliances (range, microwave, dishwasher, refrigerator)listing
$5,700 new × 50% good × 1.21 allocation
- $4,300
Hot tub (freestanding)listing
$9,000 new × 40% good × 1.21 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $10,400
Paving: driveway & walks (paved)default
$11,400 new × 76% good × 1.21 allocation
- $10,000
Landscaping (typical)default
$10,900 new × 76% good × 1.21 allocation
- $12,400
Patioslisting
$13,500 new × 76% good × 1.21 allocation
- $28,500
Decks & porches (attached)listing
$33,800 new × 70% good × 1.21 allocation
- $354,700
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$326,100 new × 90% good × 1.21 allocation
- $36,000
Building plumbing & fixturesdefault
$33,800 new × 88% good × 1.21 allocation
- $37,500
Building electrical & lightingdefault
$35,300 new × 88% good × 1.21 allocation
- $28,600
HVACdefault
$33,800 new × 70% good × 1.21 allocation
- $14,200
Hardwood & tile floorsdefault
$15,400 new × 76% good × 1.21 allocation
- $7,300
Fireplaces (3)listing
$7,900 new × 76% good × 1.21 allocation
- $11,000
Septic systemlisting
$12,000 new × 76% good × 1.21 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $78,900 | $61,400 | $500 | $140,800 |
| 2 | $0 | $0 | $12,500 | $12,500 |
| 3 | $0 | $0 | $12,500 | $12,500 |
| 4 | $0 | $0 | $12,500 | $12,500 |
| 5 | $0 | $0 | $12,500 | $12,500 |
| 6+ | $0 | $0 | $438,500 | $438,500 |
| Total | $78,900 | $61,400 | $489,200 | $629,400 |
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.