A Covered Dock, a Furnished Cabin, and Room to Build on Lake Eufaula
$299,000
Fort Gaines sits on the Georgia side of Lake Eufaula, the big reservoir straddling the Georgia-Alabama line where the Chattahoochee widens out. This property is in the Credilles Mill waterfront subdivision, about three miles north of George T. Bagby State Park, on a cleared lot that slopes gently down to a seawall and the water beyond it.
Here's what makes this one work: the waterfront infrastructure is finished. A covered dock with electric and a boat slip, a seawall holding the shoreline, and an easy walk down rather than a scramble. The cabin itself is 600 square feet, built in 2007, and the photos show it's the real thing — tongue-and-groove pine floor to ceiling, vaulted, fully furnished, with a covered porch and a fire pit ring out front. A queen sits in the main room and two full beds are up in the loft, so it sleeps around six. Worth knowing before you picture guests: the loft is ladder-access, not stairs. There's a separate 600 square feet of carport and porch, and the owners note the carport could convert to another bedroom and bath.
At $299,000 this is priced as a working property, not a project — it's been running profitably as a short-term rental, and the owners say the Buck Creek Cabin name and domain can transfer with the sale. The lot also comes with a draft plan for a future home, which is genuine upside as long as you read it as a starting point rather than an approved permit. This one is for sale by owner, so you'd be dealing with the sellers directly rather than through a listing agent — worth having your own representation and a full inspection either way, and more so on a property being sold as an operating rental.
Life at the Water
Water Access & Depth
This is direct, finished waterfront: a cleared lot with a gentle slope down to a seawall, and a covered dock with electric and a dedicated boat slip already built. That combination — seawall plus covered slip plus power at the dock — represents real money already spent, and it's the part that would take the longest to replicate. Confirm the water depth at the slip across the seasons, since Lake Eufaula is a Corps-managed reservoir and levels shift through the year.
Recreation & Boating
Lake Eufaula has a national reputation for largemouth bass — it's known as the 'Big Bass Capital of the World' and hosts tournaments throughout the year, which is a large part of why a rental cabin with a private slip does well here. The lake runs roughly 45,000 acres across the Georgia-Alabama line, so there's genuine room for boating beyond fishing. Goose Island is a short run out from this dock, and the sunsets over the water from this west-facing shoreline are the property's signature — the listing photos make that case better than any description.
Dock & Waterfront Features
The covered dock with electric and a boat slip is already in place and appears well maintained in the photos, along with a seawall protecting the shoreline. Because Lake Eufaula (Walter F. George Reservoir) is a U.S. Army Corps of Engineers project, dock permitting runs through the Corps rather than a purely state process — confirm the existing dock permit is current and properly transferable before closing, since an inherited structure with lapsed paperwork becomes your problem rather than the seller's.
Flood & Insurance Considerations
As a Corps-managed flood-control reservoir, Lake Eufaula's levels are actively regulated rather than left to run wild, which is generally stabilizing for shoreline property. The seawall here also suggests the shoreline has been deliberately protected. Still, pull the FEMA flood zone designation for this specific parcel before closing and get a real quote from a Georgia-licensed insurance agent — and if you intend to keep operating it as a rental, ask specifically about coverage for short-term rental use, which is a different product than a standard homeowner's policy.
Beyond the Property Line
Local Flavor & Small-Town Character
Fort Gaines is a small Clay County river town with a genuinely long history — Fort Gaines itself dates to 1816, and the restored Frontier Village overlooking the Chattahoochee gives a real sense of that era. The town is quiet and rural, with everyday essentials close by: gas, groceries, and bait within a short drive. Eufaula, Alabama, across the lake, adds a considerably larger historic district — its Seth Lore and Irwinton Historic District holds one of the Southeast's better collections of antebellum and Victorian architecture, and the annual Eufaula Pilgrimage tour each spring opens some of those homes to visitors.
Outdoor Recreation & Natural Surroundings
George T. Bagby State Park, three miles south, is the anchor: a lodge and conference center, hiking trails, a playground, a beach-style swim area, and a marina, plus regular festivals and fishing tournaments through the year. The Eufaula National Wildlife Refuge, spanning both sides of the lake, protects more than 11,000 acres of wetland and bottomland forest and is a serious birding destination, particularly for wintering waterfowl. Between the state park, the refuge, and the lake itself, the recreation here is unusually well developed for a town this size.
Listed on Zillow
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