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290 Ruby Ln, Ellijay, GA, 30540

4beds
3baths
3,492sqft
$497,777
$143price/sqft
$3,234/moest. monthly cost
$129,360/yrincome needed

About This Home

“Welcome home to this stunning move-in ready 4-bedroom, 3-bath log retreat, perfectly positioned on 4.99 private acres atop a scenic ridge. With the home currently empty and ready for immediate occupancy, you can settle in without delay and start enjoying your new lifestyle right away. Inside, you'll find a beautifully updated main-level kitchen and bath, rich wood flooring, and a spacious dining area ideal for gatherings and entertaining. Natural charm meets modern comfort throughout, creating a warm and inviting atmosphere from the moment you walk in. Downstairs, a brand-new full second kitchen transforms the basement into the perfect in-law suite, au pair quarters, or private space for extended family stays—offering flexibility while maintaining everyone's privacy. Step outside to relax in the hot tub on the rear deck, enjoy the securely fenced yard for kids and pets, and appreciate the convenience of a long concrete driveway with covered parking beside a large powered shed. Private, spacious, and thoughtfully updated—this home truly has everything you need to live comfortably from day one. Two small year round creeks on the property to enjoy. This should be on the top of the list especially when looking for a full time living home with rental income potential

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
8/10
7/10
Gilmer High SchoolGrades 9-122.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Roof: Metal
  • Construction materials: Log,Log Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Oven,Microwave,Dishwasher,Washer,Dryer
  • Laundry features: Main Level,In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Wood,Loft,High Speed Internet
  • Window features: Insulated Windows,Screens
  • Flooring: Wood,Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Ventless
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,492
  • Total interior livable area: 3,492 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3052AW 006

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Deck,Covered
  • Exterior features: Storage,Private Yard,Fire Pit,Retaining Walls
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: Fenced
  • Has view: Yes
  • View description: Seasonal,Trees/Woods
  • On waterfront: Yes
  • Waterfront features: Creek
  • Waterbody name: Private,Creek
  • Frontage type: Road,Branch,Creek
  • Topography of land: Level,Sloping,Rolling,Steep,Wooded

Lot

  • Lot size: 4.99 Acres

Parking

  • Parking features: Carport,Driveway,Concrete
  • Has uncovered spaces: Yes
  • Carport: 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
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Hail
Landslide
Strong Wind
Winter Weather

FEMA Declared Disasters Across Georgia Counties

Hurricane
Severe Storm
Tropical Storm

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

MonthlyAnnual
Mortgage $2,517$30,204
Home Insurance *$208$2,496
Property Taxes $170$2,040
Electricity $339$4,071
Total$3,234$38,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,880/yr
40% on housing$97,020/yr
45% on housing$86,240/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

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.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 30540$210
Gilmer County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 30540
Gilmer County$279

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

DateEventPrice
2026-07-10Price change$497,777
2026-06-11Listed for sale$509,750
2026-06-05Pending sale$509,750
2026-05-06Price change$509,750
2026-02-28Price change$519,900
2026-01-29Listed for sale$524,900
2024-08-18Listing removed$529,900
2024-07-25Price change$529,900
2024-06-27Price change$544,900
2024-04-10Listed for sale$549,900
2012-07-24Sold$121,000
2012-04-15Listed for sale$113,850

For Sale by Agent

AgentLegacy Mountain Group
BrokerageKeller Williams Elevate

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