581 Roberts Ridge Rd, Ellijay, GA, 30540
About This Home
OPEN HOUSE MAY 6, 11 AM-ANYONE IS WELCOME! FREE FOOD! Fully Remodeled 3BR & Basement Near Downtown Ellijay | 3.65% VA Assumable Loan | Finished Basement | 3 Garage Spaces | No HOA! Rare opportunity for qualified buyers to assume a 3.65% VA mortgage (buyer must provide their own VA eligibility & meet lender approval) while enjoying this completely remodeled 3-bedroom, 2-bath ranch just minutes from downtown Ellijay. Offering true one-level living with a finished basement, flexible space, & no HOA or restrictions, this home blends convenience, privacy, & functionality. The main level features a spacious primary suite with custom walk-in closet & en-suite bath. The second bedroom also includes a custom closet, & even the living room coat closet has been upgraded with a custom system, providing exceptional storage throughout. One additional bedroom, full shared bath, & large laundry room with abundant storage complete the main floor. The kitchen shines with granite countertops, tile flooring, black stainless appliances, double wall oven, breakfast bar, & dedicated dining area—ideal for everyday living or entertaining. The finished basement offers a game or media room, bonus room that could serve as a 4th bedroom, office, workout space, or flex room, private exterior entrance, propane wall heat, & a brand-new wood-burning stove with full chimney—perfect for guests or multigenerational living. The majority of the acre is enclosed by a custom fence with separate gated front & backyard sections. Backing to pasture on one side & woods on the other, the property offers exceptional privacy & peaceful views. Enjoy a large back porch overlooking the above-ground garden, raised beds, fresh landscaping, & a firepit area. Additional highlights include high-speed fiber optic internet, public water, paved road access to a concrete driveway, three garage spaces (1 main & 2 lower), owned propane tank, shingle roof, updated HVAC & water heater, & no school tax for homeowners for 65+!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1979
Materials
- Roof: Shingle
- Construction materials: Frame,Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,Traditional,Cottage
- Property subType: Residential
Interior
Appliances
- Appliances included: Refrigerator,Range,Oven,Microwave,Dishwasher
- Laundry features: Main Level,Laundry Room
Basement
- Has basement: Yes
- Basement: Finished,Unfinished,Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 3
Features
- Pantry,Eat-in Kitchen,High Speed Internet
- Window features: Insulated Windows
- Flooring: Wood,Carpet,Tile
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,460
- Total interior livable area: 2,460 sqft
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 3065 116
Features
- Levels: Multi/Split,Two
- Stories: 2
- Patio & porch: Front Porch,Deck,Patio,Open
- Exterior features: Garden,Private Yard,Fire Pit
- Fencing: Fenced
- Has view: Yes
- View description: Mountain(s),Seasonal,Trees/Woods
- Frontage type: Road
- Topography of land: Level
Lot
- Lot size: 0.96 Acres
Parking
- Total spaces: 3
- Parking features: Garage,Driveway,Concrete
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Inland Flooding
- Lightning
- Tornado
- Strong Wind
- Drought
- Earthquake
- Hail
- Ice Storm
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,452 | $29,424 |
| Home Insurance * | $203 | $2,436 |
| Property Taxes | $165 | $1,980 |
| Electricity | $239 | $2,868 |
| Total | $3,059 | $36,708 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-01 | Price change | $485,000 |
| 2026-04-24 | Price change | $495,000 |
| 2026-04-03 | Price change | $499,000 |
| 2026-03-25 | Price change | $529,000 |
| 2026-03-02 | Listed for sale | $539,000 |
| 2022-03-14 | Sold | $399,900 |
| 2022-02-15 | Pending sale | $399,900 |
| 2022-02-10 | Listed for sale | $399,900 |
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