Waterfront Homes for Sale in Mineral Bluff, GA
This page tracks every Mineral Bluff listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
27 waterfront homes are for sale or pending in Mineral Bluff, GA today across 11 communities. The median asking price is $650,000, from $339,000 to $2,500,000. Listings in Mineral Bluff without that feature have a median of $749,450. Most listings right now: Toccoa River Forest (5), Old Toccoa Farm (2), Fish Trap Point (1). Updated September 27, 2026 from the MLS.
Live waterfront homes in Mineral Bluff: the listings
23 active listings carry the flag today (25% of Mineral Bluff inventory), median asking $739,900, $433/sq ft, median 39 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Mineral Bluff
The most expensive waterfront homes in Mineral Bluff
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 658 Old Toccoa Loop | $2,500,000 | 4,638 | Old Toccoa Farm |
| 661 Toccoa River Forest | $1,695,000 | 3,220 | Toccoa River Forest |
| 744 Bear Walk Road | $1,599,000 | 3,142 | — |
| Lot 3 Murphy Hwy (Spur 60) | $1,525,000 | 3,300 | — |
| Lot 1 Murphy Hwy (Spur 60) | $1,525,000 | — | — |
| 1359 Mountain High Drive | $1,320,000 | 4,120 | Mountain High |
| 4011 Murphy Highway | $1,299,000 | 3,129 | — |
| 141 Doc Roof Road | $1,250,000 | 1,540 | — |
| 788 Fish Trap Trail | $1,200,000 | 1,328 | Fish Trap Point |
| 177 Shangri La Drive | $839,000 | 4,437 | — |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| $300K–$500K | 5 | 22% |
| $500K–$750K | 7 | 30% |
| $750K–$1M | 2 | 9% |
| $1M+ | 9 | 39% |
Mineral Bluff waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Toccoa River Forest | 5 | 0 | $650,000 | $519,900 |
| Old Toccoa Farm | 2 | 0 | $1,457,500 | $415,000 |
| Fish Trap Point | 1 | 0 | $1,599,000 | $1,599,000 |
| Mountain High | 1 | 0 | $1,320,000 | $1,320,000 |
| Fish Trap Point II | 1 | 0 | $1,200,000 | $1,200,000 |
| Bear Track | 1 | 0 | $824,900 | $824,900 |
| Old Mill Pond | 1 | 0 | $629,900 | $629,900 |
| Stuart Mountain | 1 | 0 | $549,000 | $549,000 |
| Evergreen Forest | 1 | 0 | $499,900 | $499,900 |
| Riverwalk on the Toccoa | 1 | 0 | $350,000 | $350,000 |
| Old Mill Pond Valley Estates | 1 | 0 | $339,000 | $339,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Mineral Bluff?
What do waterfront homes cost in Mineral Bluff?
Which Mineral Bluff community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Mineral Bluff
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Live data: Georgia MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Mineral Bluff, GA whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.