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Tucked along the banks of the iconic Toccoa River, this refined yet rustic home offers a rare blend of privacy, style, and natural beauty-just minutes from downtown Blue Ridge. Set on 5.2 acres with over 250+/- feet of river frontage, the home is elevated above the water, providing peaceful views and the soothing sound of the Toccoa River below. The home has been updated with a beautifully redesigned kitchen featuring stainless steel appliances, granite countertops, and full-height cabinetry. Both bathrooms have been upgraded with tiled shower enclosures, updated vanities, and curated fixtures that strike the perfect balance between modern elegance and mountain charm. The functional floor plan includes two main-level bedrooms with built-in storage, and a private upper-level primary suite with bonus space ideal for an office or reading nook. Outdoor amenities enhance guest appeal, including expansive decking for entertaining and river views, plus elevated positioning above the river for privacy and flood mitigation. Recent infrastructure upgrades include a new well pump and filtration system. Additional adjoining acreage is available, creating multiple value-add opportunities: increased privacy or future development. Light deed restrictions are in place to protect long-term value: mobile and manufactured homes are prohibited. With its expansive Toccoa River frontage, peaceful natural setting, and proximity to downtown Blue Ridge, this property is well-suited for a private riverfront retreat or investment opportunity.