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1387 Valley St, Clayton, GA, 30525

3beds
3baths
2,418sqft
$539,000
$223price/sqft
$3,868/moest. monthly cost
$154,720/yrincome needed

About This Home

Incredible views just five minutes from the heart of town! Welcome to this beautiful mountain retreat located just above downtown Clayton, Georgia, where the only thing that exceeds the views is your proximity to town. This home features 3 bedrooms and 3 baths, one on each level for ultimate privacy and flexibility. Both the main floor and upper-level feature large decks to take in the outstanding 180-degree views. The partially covered main floor deck is perfect for grilling and dining. The living room soaks in light from the large adjacent sunroom and maximizes your eastern sunrise view. Vaulted ceilings on the main floor with white-washed wood enhance the sense of space while adding a warm, inviting touch. The living area boasts a striking stone gas log fireplace, perfect for cozy evenings, while the open kitchen offers modern appliances and a full breakfast bar. Rounding out the main floor is a small office off the living room, a large bedroom, full bath, laundry closet and pantry. The upper level has a large bedroom, full bath with double vanity and a loft space overlooking the main floor. The terrace level features the third bedroom and bath, a walkout patio with direct access to a small flat yard, a second living room and a one car garage w/ adjacent workshop. Downtown Clayton is a welcoming community focused on outdoor living. The burgeoning town is home to an excellent local dining and shopping scene that may be North Georgia's best kept secret. The surrounding area is rich with hiking trails, waterfalls, and cultural attractions. Black Rock Mountain State Park, the highest state park in Georgia, can be seen from the deck. This home benefits from paved road access right to the front door and is being sold fully furnished.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

--
6/10
7/10
Rabun County High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1996

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Dryer,Washer,Dishwasher,Oven/Range (Combo),Refrigerator
  • Laundry features: In Hall,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Bath Finished,Daylight,Interior Entry,Exterior Entry,Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Separate Room

Features

  • Double Vanity,High Ceilings,Master On Main Level,Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Factory Built,Gas Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,418
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Electric,Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 2,418
  • Total interior livable area: 2,418 sqft

Kitchen

  • Features: Breakfast Bar

Property

Details

  • Parcel number: 042 004B

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck,Patio,Porch
  • Has view: Yes
  • View description: Mountain(s)
  • Waterbody name: None
  • Residential vegetation: Wooded

Lot

  • Lot size: 3 Acres
  • Features: Sloped,Steep Slope

Parking

  • Total spaces: 3
  • Parking features: Attached,Carport,Garage
  • Has garage: 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 WaveVery High
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Tornado
Hail
Ice Storm
Landslide
Strong Wind

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 $2,725$32,700
Home Insurance *$214$2,568
Property Taxes $695$8,340
Electricity $234$2,819
Total$3,868$46,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,617/yr
40% on housing$116,040/yr
45% on housing$103,146/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 9.5%
9.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 30525$246
Rabun County$276

vs Homes Sold Last Month

Median $/sqft

ZIP 30525
Rabun County$346

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
2025-12-31Price change$539,000
2025-10-04Price change$549,000
2025-09-04Listed for sale$559,000
2016-07-20Sold$202,500
2009-10-28Sold$143,000
2009-02-03Sold$199,000

For Sale by Agent

AgentBen Rose
BrokerageKeller Williams Lanier Partners

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