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78 21st St, Ellijay, GA, 30540

1beds
1baths
450sqft
$164,900
$366price/sqft
$1,316/moest. monthly cost
$52,640/yrincome needed

About This Home

Welcome to your perfect mountain getaway in Coosawattee River Resort! This beautifully finished tiny home stands out with its upgraded touches, including granite countertops, luxury vinyl plank flooring, and a thoughtfully designed interior that feels both stylish and functional. The primary bedroom offers a closet for added storage, and the separate laundry/storage room is a rare bonus for a home this size. With full climate control, you can enjoy it comfortably in every season. Outside, you'll find high-end siding, a durable metal roof, and a level gravel driveway for easy access. The covered RV area with hookups adds extra versatility-perfect for guests or additional use. Located on one of the most sought-after streets in the resort, you're just moments from river access and the community pool. Enjoy the security of gated entry along with all the amenities Coosawattee River Resort has to offer, all set in the scenic beauty of Ellijay. Whether you're looking for a personal retreat or an income-producing property, this one is a must-see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

7/10
7/10
Gilmer High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1993

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence,Cabin

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Master On Main Level
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 450

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 450
  • Total interior livable area: 450 sqft

Property

Details

  • Parcel number: 3051N 028

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 6,098 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Carport
  • 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 $833$9,996
Home Insurance *$69$828
Property Taxes $195$2,340
Electricity $219$2,637
Total$1,316$15,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,120/yr
40% on housing$39,480/yr
45% on housing$35,093/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

$366This listing

vs Other Active Listings

Avg $/sqft

ZIP 30540$212
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
2026-04-21Listed for sale$176,900
2026-04-01Listing removed$197,000
2026-03-26Listed for sale$197,000
2020-12-15Sold$25,000
2019-03-22Sold$15,500
2010-07-27Sold$24,000
2008-12-25Listing removed$35,900
2008-08-24Listed for sale$35,900
2007-07-26Sold$18,500

For Sale by Agent

AgentJames Allison
BrokerageLeading Edge Real Estate LLC

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