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434 Lemmon Dr, Ellijay, GA, 30540

5beds
3baths
3,256sqft
$599,000
$184price/sqft
$3,799/moest. monthly cost
$151,960/yrincome needed

About This Home

Be enchanted by this private 2.22 ac CREEKSIDE mountain retreat with a rare level yard. Enjoy seamless indoor/outdoor living with porches, bridges, and the soothing sound of flowing water. This elegant 5-bedroom, 3-bath home features a thoughtful layout, welcoming you through a grand foyer into an open-concept living, kitchen, and dining space that flows effortlessly to one of the most incredible yards in Coosawattee River Resort. A 2-car garage connects conveniently through the laundry/pantry to the kitchen. In winter, enjoy the ease of a remote-start rocked propane fireplace. Main level has a master suite with double vanities and two bedrooms which share a bathroom. Upstairs, two spacious bedrooms (one suite with gas fireplace) offer flexibility for guests, hobbies, or entertainment, while a charming book nook awaits at the landing. Need storage? There are multiple storage closets throughout the home. RV hookup on property per previous owners. Fenced in yard for dogs. GENERATOR. Just a 2-minute drive to the nearby rec center, offering a year-round indoor pool, fitness center, game room, tennis and pickleball courts, plus an 18-hole putt-putt course. Enjoy resort-style living with five riverfront parks for tubing and kayaking, along with community activities like Zumba, line dancing, and more. Come be enchanted with a showing today! Short-term rentals allowed in this community. *One photo of Primary (blue bedroom) has been virtually staged

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
7/10
Gilmer High SchoolGrades 9-124.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1997

Materials

  • Roof: Metal
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Cape Cod,Chalet,Cabin,Traditional,Country,Cottage,Craftsman
  • Property subType: Residential

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Entrance Foyer,High Speed Internet
  • Window features: Insulated Windows,Vinyl
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Ventless,Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,256
  • Total interior livable area: 3,256 sqft

Master Bedroom

  • Level: Main,Upper

Property

Details

  • Parcel number: 3038A 026
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Screened,Front Porch,Deck,Covered,Patio
  • Exterior features: Pasture,Garden,Private Yard,RV Hookup,Fire Pit
  • Fencing: Fenced
  • Has view: Yes
  • View description: Year Round,Creek/Stream,Trees/Woods
  • Has water view: Yes
  • Water view: Creek/Stream
  • On waterfront: Yes
  • Waterfront features: Creek,Creek Access
  • Waterbody name: Tributary To Coosawattee River
  • Frontage type: Road,Creek
  • Topography of land: Level,Sloping

Lot

  • Lot size: 2.22 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Hail
Inland Flooding
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 $3,028$36,336
Home Insurance *$251$3,012
Property Taxes $204$2,448
Electricity $316$3,796
Total$3,799$45,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,251/yr
40% on housing$113,970/yr
45% on housing$101,306/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

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 30540$210
Gilmer County$208

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
2026-04-08Listed for sale$625,000
2019-10-21Sold$280,000
2017-11-30Listing removed$299,000
2017-07-12Price change$299,000
2017-05-31Listed for sale$335,000
2011-04-16Listing removed$229,000
2011-03-20Price change$229,000
2011-01-12Listed for sale$299,000
2008-06-12Listing removed$325,000
2008-02-01Listed for sale$325,000

For Sale by Agent

AgentThe Welcome Team
BrokerageREMAX Town & Country - Ellijay

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