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290 Ruby Ln #3328R, Ellijay, GA, 30540

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

About This Home

Beautiful log constructed 4/3 home on 4.99 acres sitting on top of the ridge. Updated kitchen and bathroom on main floor, large dining room area off kitchen, wood flooring on main floors, hot tub on rear deck area, beautifully fenced yard for kids and pets and a long concrete driveway. There is a new full kitchen in basement so it can be used as an in-law suite or long term family stay while keeping your privacy. Covered parking area next to large shed with power. This home has everything you need to be confortable and happy for years to come.

Getting Around

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

Schools

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

Construction

Condition

  • Property condition: Resale
  • Year built: 2004

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Country/Rustic
  • Property subType: Single Family Residence,Cabin

Interior

Appliances

  • Appliances included: Gas Water Heater,Microwave,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater
  • Laundry features: In Hall

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 2

Dining Room

  • Features: Seats 12+

Features

  • Beamed Ceilings,High Ceilings,Master On Main Level,Rear Stairs,Separate Shower,Tile Bath,Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Wood
  • Number of fireplaces: 7
  • Fireplace features: Basement,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 1,584
  • Finished area above ground: 1,908
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air,Electric,Window Unit(s)

Interior Area

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

Kitchen

  • Features: Breakfast Bar,Pantry,Second Kitchen

Property

Details

  • Parcel number: 3052AW 006

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Above Ground,Pool/Spa Combo
  • Patio & porch: Deck,Patio
  • Fencing: Fenced
  • Has view: Yes
  • View description: Seasonal View
  • On waterfront: Yes
  • Waterfront features: Creek,Stream
  • Waterbody name: Private
  • Frontage length: Waterfront Footage: 100
  • Residential vegetation: Wooded

Lot

  • Lot size: 4.99 Acres
  • Features: Level,Steep Slope

Parking

  • Parking features: Carport,Detached,Parking Pad
  • 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
2026-04-19Price change$519,900
2026-02-19Listed for sale$524,900
2024-08-23Listing removed--
2024-07-27Price change$529,900
2024-07-01Listed for sale$544,900

For Sale by Agent

AgentGregory A Martin
BrokerageKeller Williams Elevate

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