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10758 Chatsworth Hwy, Ellijay, GA, 30540

2beds
1baths
960sqft
$429,900
$448price/sqft
$3,094/moest. monthly cost
$123,760/yrincome needed

About This Home

OH MY STARS!!! Welcome to the North Georgia Mountains where storybook charm meets modern luxury! Introducing the enchanting "Ivy Cottage"—a fully remodeled mountain retreat that feels like it was plucked straight from a dream. Tucked away in a lush ivy forest, this one-of-a-kind gem offers the perfect blend of cozy character and upscale updates. Step inside to an absolutely stunning great room featuring a full-wall stone fireplace that steals the show, creating the ultimate warm and inviting gathering space. The beautifully updated kitchen shines with modern touches, making it as functional as it is charming. With 2 bedrooms and 1 full bath, this cottage is the perfect escape for weekend getaways, short term rental or full-time mountain living. Outside, the magic continues unwind in the bubbling hot tub under the stars, rinse off in the outdoor shower, or entertain with ease on the inviting front deck. A circular driveway welcomes you home, while the one-car carport with EV charger adds a thoughtful, modern convenience. Perfectly nestled at the foot of Fort Mountain, you're just minutes from hiking, scenic views, vineyards, and all the charm of downtown Ellijay—restaurants, shopping, and small-town magic included. Bonus Opportunity: Additional 5.35 acres is available with this listing, offering even more room to expand your mountain retreat, create additional privacy, or invest in future possibilities. This is not just a home it's a rare diamond jewel in the mountains—truly unforgettable and impossible to replicate.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

5/10
Ellijay Elementary SchoolGrades PK-58.7 mi
7/10
Clear Creek Middle SchoolGrades 6-813.8 mi
7/10
Gilmer High SchoolGrades 9-128.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1972

Materials

  • Roof: Shingle
  • Construction materials: Frame,Block,Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range,Microwave,Dishwasher,Washer,Dryer
  • Laundry features: Laundry Closet

Basement

  • Basement: Slab

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Sheetrock
  • Window features: Vinyl
  • Flooring: Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Vented,Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 960
  • Total interior livable area: 960 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3017 024

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Storage,Private Yard
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Trees/Woods
  • Frontage type: Road
  • Topography of land: Level

Lot

  • Lot size: 2 Acres

Parking

  • Total spaces: 1
  • Parking features: Carport,Gravel,Electric Vehicle Charging Station(s)
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Landslide
    LandslideRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Landslide
Strong Wind
Hail
Ice Storm
Wildfire
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 $2,173$26,076
Home Insurance *$180$2,160
Property Taxes $522$6,264
Electricity $219$2,637
Total$3,094$37,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,080/yr
40% on housing$92,820/yr
45% on housing$82,506/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

$448This 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
2026-04-21Listed for sale$449,900
2021-01-21Sold$60,000

For Sale by Agent

AgentCrystal Chastain
BrokerageREMAX Town & Country - Ellijay

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