Discover a rare investment opportunity in North Georgia with two waterfront homes plus a buildable lot, all located on three parcels that can be subdivided into separate addresses. This property offers incredible potential for creating your own residential community, living in one home while renting or selling the others, or developing multiple short-term waterfront rentals. Nestled along the Tugaloo Channel of Lake Hartwell in the charming town of Toccoa, Georgia, this gem is perfect for investors, builders, developers, or anyone looking to buy and hold. The property includes: One finished home with three levels of living, outdoor spaces, and modern comforts. One unfinished home ready to be completed and customized to your vision. One vacant buildable lot offering endless possibilities to expand or add another home. Step outside and enjoy the serene lakefront setting. Follow the stairs to a large, covered dock featuring a boat slip and kayak racks-perfect for fishing, paddling, or simply soaking in the beauty of the water. The finished home boasts a wraparound porch, vaulted ceilings, and an open-concept floor plan that lets in abundant natural light and provides seasonal views of the water and trees. Highlights include: Two kitchens and three private bedrooms, plus a loft that combines a living area and sleeping space. Built-in movie theater seating and sound system for entertainment. Multiple living areas, ideal for spreading out or hosting guests. A stone fireplace with a cozy electric insert in the main living area. The owner's suite on the main level has a separate exterior entrance for added convenience, and the patio between two homes-with a firepit-offers the perfect gathering space. The unfinished home has a similar floor plan and can be tailored to your design preferences. This quiet retreat is surrounded by nature, with no neighboring homes in view from the dock, making it incredibly peaceful and private. Beyond the property, enjoy easy access to Toccoa's historic downtown with its restaurants, galleries, and shops, as well as nearby attractions like: Currahee Country Club and Golf Course Toccoa Falls College Tallulah Gorge State Park Lake Hartwell and its marinas The Tugaloo River Water Trail, vineyards, and local farms Whether you're seeking a long-term investment, a renovation project, or a unique living arrangement, this property offers unmatched versatility and potential in an unbeatable location. Don't miss this opportunity to own a piece of North Georgia paradise!