1172 Settlers Ridge Rd, Ellijay, GA, 30540
About This Home
Welcome to 1172 Settlers Ridge in Homestead Mountain — a refined mountain retreat where timeless craftsmanship meets elevated, sustainable living. Privately nestled in the sought-after Homestead Mountain community in the heart of North Georgia, this 4-bedroom, 3.5-bath log-style residence offers a rare blend of rustic elegance and modern innovation. From the moment you arrive, the striking timber-frame entry, expansive concrete drive, and serene wooded setting create a grand yet inviting sense of arrival. Inside, soaring ceilings, a dramatic floor-to-ceiling stone fireplace, and walls of glass bathe the home in natural light, seamlessly blending indoor comfort with the surrounding landscape. Custom window coverings add a polished, tailored finish. The open-concept living space flows effortlessly onto two full-length covered decks—ideal for entertaining or quiet moments immersed in nature. A rare and highly desirable feature, the home offers TWO primary suites on the main level, providing flexibility, privacy, and comfort for both owners and guests. Thoughtfully designed for lasting quality, the home features brand-new porch railings, a convenient walk-up ramp, and a Rhino Shield exterior with transferable warranty. Maintenance-free leaf guard gutters add ease to everyday living. For the discerning buyer seeking efficiency without compromise, the privately owned solar system (not leased) delivers energy efficiency and long-term savings. Additional features include a dedicated office, workshop, cozy wood-burning stove, and refined upgrades throughout- each detail curated for both function and comfort. Impeccably maintained and move-in ready, this property offers a rare combination of privacy, quality, and low-maintenance living—positioning it as a standout offering in today's market. Whether a full-time residence or luxurious mountain escape, this is where lifestyle, comfort, and intention come together beautifully.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Resale
- Year built: 2016
Materials
- Roof: Shingle
- Construction materials: Frame,Log
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin,Traditional
- Property subType: Residential
Interior
Appliances
- Appliances included: Range,Oven,Microwave,Dishwasher,Washer,Dryer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Finished,Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- Partial bathrooms: 1
- Main level bedrooms: 2
Features
- Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock
- Window features: Insulated Windows
- Flooring: Wood
- Number of fireplaces: 3
- Fireplace features: Gas Log,Wood Burning,Outside
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,958
- Total interior livable area: 2,958 sqft
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 3091M 028
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Covered
- Exterior features: Private Yard,Retaining Walls
- Has view: Yes
- View description: Mountain(s),Year Round
- Frontage type: Road
- Topography of land: Level,Sloping
Lot
- Lot size: 1.59 Acres
Parking
- Total spaces: 2
- Parking features: Carport,Driveway,Concrete
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Inland Flooding
- Lightning
- Tornado
- Landslide
- Strong Wind
- Hail
- Ice Storm
- Wildfire
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,545 | $54,540 |
| Home Insurance * | $377 | $4,524 |
| Property Taxes | $103 | $1,236 |
| Electricity | $287 | $3,448 |
| Total | $5,312 | $63,744 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-29 | Price change | $915,000 |
| 2026-04-09 | Price change | $935,000 |
| 2026-02-20 | Listed for sale | $949,900 |
| 2025-11-24 | Listing removed | $949,900 |
| 2025-10-01 | Price change | $949,900 |
| 2025-05-22 | Listed for sale | $965,000 |
| 2015-11-03 | Sold | $55,000 |
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