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232 Ridge Oaks Way, Ellijay, GA, 30540

3beds
2baths
2,040sqft
$670,000
$328price/sqft
$4,115/moest. monthly cost
$164,600/yrincome needed

About This Home

Located at the end of a quiet, private cul-de-sac, this beautifully appointed 3-bedroom, 2-bath cabin offers the perfect balance of peaceful mountain living and convenient access to everything Ellijay has to offer. Set on a large wooded lot, this property provides exceptional privacy while placing you just minutes from historic downtown Ellijay's shops, restaurants, wineries, and year-round festivals. Designed for both comfort and entertaining, the cabin welcomes you with soaring vaulted ceilings and dramatic windows that fill the great room with natural light while showcasing the surrounding forest. A stunning floor-to-ceiling stone fireplace serves as the centerpiece of the living area, creating the perfect gathering place after a day of mountain adventures. The open-concept kitchen features stainless steel appliances and flows seamlessly into the dining and living spaces. The spacious primary suite is conveniently located on the main level, offering easy one-level living. Upstairs, the loft bedroom provides classic cabin character and a cozy retreat. The finished terrace level expands the home's living space with a large family room, and 2 additional bedrooms, and plenty of room for guests to relax, play games, or unwind. Outdoor living is where this cabin truly shines. Enjoy your morning coffee on the expansive covered porch, soak in the hot tub beneath the stars, gather around the fire pit with family and friends, or relax on the patio surrounded by the peaceful sights and sounds of nature. The wooded setting attracts deer and other native wildlife, creating the authentic North Georgia mountain experience buyers are looking for. This cabin has a proven history as a successful vacation rental, making it an outstanding opportunity for investors seeking immediate income potential while also enjoying personal use throughout the year. Location is everything, and this property delivers. Enjoy the serenity of a private mountain setting while remaining just a short drive from downtown Ellijay. Spend your days exploring boutique shops, local restaurants, award-winning wineries, apple orchards and cider barns, or enjoying outdoor adventures including trout fishing, hiking, tubing, and rafting on the Coosawattee River. Amicalola Falls State Park, Fort Mountain State Park, and the historic Tabor House Museum are all nearby, making this an ideal home base for experiencing the very best of North Georgia. Whether you're searching for a full-time residence, a weekend mountain retreat, or a high-performing short-term rental, this exceptional cabin combines privacy, convenience, and timeless mountain charm in one of Ellijay's most desirable locations.

Getting Around

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

Schools

5/10
8/10
7/10
Gilmer High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Rough-Sawn Lumber,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: In Basement

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Master On Main Level
  • Window features: Double Pane Windows
  • Flooring: Hardwood,Other
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,040
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,040
  • Total interior livable area: 2,040 sqft

Kitchen

  • Features: Breakfast Area

Property

Details

  • Parcel number: 3050Q 007

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Patio
  • Exterior features: Gas Grill
  • Waterfront features: No Dock Or Boathouse
  • Waterbody name: None
  • Residential vegetation: Wooded

Lot

  • Lot size: 3.06 Acres
  • Features: Cul-De-Sac,Level,Private

Parking

  • Total spaces: 3
  • Parking features: Off Street

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Earthquake
Hail
Ice Storm
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 $3,387$40,644
Home Insurance *$281$3,372
Property Taxes $228$2,736
Electricity $219$2,637
Total$4,115$49,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,085/yr
40% on housing$123,450/yr
45% on housing$109,733/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

$328This listing

vs Other Active Listings

Avg $/sqft

ZIP 30540$208
Gilmer County$206

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
2026-08-06Listed for sale$670,000

For Sale by Agent

AgentCindy Beasley
BrokerageColdwell Banker Realty

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