SELLER FINANCING AVAILABLE! Seller is offering attractive owner financing with a below-market 5% interest rate for qualified buyers. Ask for details. Classic mountain cabin charm meets modern comfort in this warm and inviting 2BR/3BA retreat, tucked away in a quiet, well-maintained community with paved roads just five miles from historic downtown Murphy and only one mile from the marina on Lake Hiwassee. Enjoy easy access to boating, fishing, and water recreation, with the public boat ramp and picnic areas at Hanging Dog Recreation Area just minutes away. Inside, soaring tongue-and-groove ceilings, expansive windows, and a stunning stacked stone fireplace create the welcoming atmosphere buyers envision in a mountain getaway. The thoughtfully designed main level offers two bedrooms and two full baths, including a private primary suite, along with an open-concept living, dining, and kitchen area ideal for everyday living or entertaining. The finished lower level provides exceptional flexibility with a spacious family room, bonus room, and third full bath--perfect for guests, a home office, hobby space, or additional sleeping quarters. Quality upgrades include a dual-fuel HVAC system with built-in dehumidifier, whole-house water filtration system, copper gutters, fiber-optic internet, and exceptionally low utility costs, providing year-round comfort, efficiency, and peace of mind. Outside, relax on the wraparound covered porches, enjoy the fenced yard for pets, and take in the peaceful mountain setting. Whether you're searching for a full-time home, weekend escape, or vacation retreat, this property offers the ideal blend of mountain charm, modern convenience, and an unbeatable location near Lake Hiwassee.