Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$830,176$234 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 79How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $20,000 on Oct 11, 2005

20 RIVER ST

HIAWASSEE, GA 30546
2
Baths
3,552 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$830K
$657K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,000 · Oct 11, 2005
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$805,176
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$644,141
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.3%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$25,000
PARK STERLING BANK · recorded May 11, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,793 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$292,176 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$153,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$139,176
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$260,876
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$730,440

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.57
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
98
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.169 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyTowns
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2000
Lot (acres)The size of the land the home sits on, from county records.0.18
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 100 ft²Porch · 234 ft²Boat access

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Towns County Elementary SchoolB
Elementary · Grades PK–5 · 1.8 mi
H
Towns County High SchoolA-
High · Grades 9–12 · 1.9 mi
M
Towns County Middle SchoolA
Middle · Grades 6–8 · 1.9 mi

District: Towns County School District

Neighborhood · ZIP 30546These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.119
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.96

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.8,278
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.61 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,830
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,125
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.65 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in Towns County
  • Bigger than 90% of homes in Towns County
  • Has a smaller lot than 92% of homes in Towns County

What homes are worth in Hiawassee 30546

Each bar is how many homes fall in that price range. The marker is this home.

This home
$55K$1.7M

This home is worth more than 88% of homes in Hiawassee 30546.

How it measures up in Hiawassee 30546

The dot is this home. The mark in the middle is the typical home in Hiawassee 30546.

Estimated value$830,176
CheaperTypical $384,951Pricier

Pricier than 88% of homes nearby

Price per ft²$234
CheaperTypical $221Pricier

Pricier than 58% of homes nearby

Living area3,552 ft²
SmallerTypical 1,794 ft²Bigger

Bigger than 89% of homes nearby

Lot size0.18 ac
SmallerTypical 0.94 acBigger

Bigger than 10% of homes nearby

Year built1989
OlderTypical 1995Newer

Newer than 39% of homes nearby

How 20 River St ranks against every home in each area.
MeasureThis homeHiawassee 30546Towns County
Estimated valuepricier than$830,17688% of homes90% of homes
Price per ft²pricier than$23458% of homes60% of homes
Living areabigger than3,552 ft²89% of homes90% of homes
Lot sizebigger than0.18 ac10% of homes8% of homes
Year builtnewer than198939% of homes37% of homes

About 20 River St

How much is 20 River St, Hiawassee, GA worth?

The TopHap Estimate for 20 River St, Hiawassee, GA is $830,176 as of Jul 14, 2026. The likely range is $657,381 to $1,002,971. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 River St, Hiawassee, GA last sell?

20 River St, Hiawassee, GA last sold on Oct 11, 2005 for $20,000, according to the county's recorded deed.

How big is 20 River St, Hiawassee, GA?

20 River St, Hiawassee, GA has 2 bathrooms, 3,552 square feet of living space and a 0.18-acre lot.

When was 20 River St, Hiawassee, GA built?

20 River St, Hiawassee, GA was built in 1989, making it 37 years old. The building has 1 story.

What schools serve 20 River St, Hiawassee, GA?

20 River St, Hiawassee, GA is assigned to Towns County Elementary School (elementary), rated B; Towns County High School (high), rated A-; Towns County Middle School (middle), rated A. All sit in Towns County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 River St, Hiawassee, GA compare to other homes in Hiawassee 30546?

Among the 6,163 homes in Hiawassee 30546, it is worth more than 88% of them ($830,176 against a typical $384,951), its price per square foot is higher than 58% of them ($234 against a typical $221), it is bigger than 89% of them (3,552 ft² against a typical 1,794 ft²), its lot is bigger than 10% of them (0.18 ac against a typical 0.94 ac) and it is newer than 39% of them (1989 against a typical 1995). Measured against all of Towns County, it is worth more than 90% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20 River St, Hiawassee, GA?

The 2024 property tax bill for 20 River St, Hiawassee, GA was $1,793. The county assessed it at $292,176.

More homes on River St

Closest homes

More homes in Hiawassee 30546

Assigned schools

Explore the area

See this home in context

Open 20 River St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map