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214 Kelly Ln, Ellijay, GA, 30540

6beds
3baths
3,192sqft
$700,000
$219price/sqft
$4,994/moest. monthly cost
$199,760/yrincome needed

About This Home

Star-Spangled & Yours! This beautiful mountain retreat could be the perfect place to call home! Privately situated just minutes from both downtown Ellijay and the conveniences of East Ellijay, this spacious property offers the ideal combination of privacy, comfort, and versatility. The main level features 3 bedrooms, 2 full baths, a spacious open living area with a stunning floor-to-ceiling stone gas log fireplace, a beautifully appointed kitchen with Caf appliances, a laundry room, and an attached 2-car garage. The level entry makes everyday living easy and convenient. The finished terrace level lives like a second home, offering 3 additional bedrooms, a full bath, a full kitchen, and an expansive living area—perfect for extended family, guests, multi-generational living, or entertaining. Most furnishings will remain, making this home even more move-in ready. Step outside and enjoy the peaceful beauty of the North Georgia Mountains. Relax on the oversized covered deck featuring an outdoor fireplace while taking in seasonal views of Kiker Lake, the lake spillway, and the gently flowing creek below. A covered lower patio offers a hot tub for year-round enjoyment. One of the property's unique features is that you own both sides of the creek, creating your own private slice of nature complete with a fire pit area by the water. Additional highlights include a concrete driveway, fenced yard, and exceptional privacy, all while being less than five minutes from shopping, dining, and entertainment. Whether you're looking for a full-time residence, mountain getaway, or home with room for everyone, this exceptional property checks all the boxes. Don't miss your opportunity to own this one-of-a-kind Ellijay retreat!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
8/10
7/10
Gilmer High SchoolGrades 9-122.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2023

Materials

  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Traditional,Craftsman
  • Property subType: Residential

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Bath/Stubbed

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Wood,High Speed Internet
  • Window features: Vinyl
  • Flooring: Tile,Luxury Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Ventless,Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,192
  • Total interior livable area: 3,192 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3068Z 014
  • Other equipment: Generator

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Deck,See Remarks
  • Exterior features: Private Yard,Fire Pit
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: Fenced
  • Has view: Yes
  • View description: Seasonal,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Creek,Small Lake/Pond
  • Waterbody name: Stream,Kiker
  • Frontage type: Creek,Small Lake/Pond
  • Topography of land: Level,Sloping,Wooded

Lot

  • Lot size: 0.96 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Concrete
  • 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 $3,539$42,468
Home Insurance *$293$3,516
Property Taxes $852$10,224
Electricity $310$3,721
Total$4,994$59,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,222/yr
40% on housing$149,820/yr
45% on housing$133,173/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

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 30540$209
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
2026-07-02Listed for sale$700,000
2024-02-22Sold$539,900

For Sale by Agent

AgentCrystal Chastain
BrokerageREMAX Town & Country - Ellijay

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