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62 Whitewater, Ellijay, GA, 30540

2beds
2baths
1,337sqft
$519,000
$388price/sqft
$3,237/moest. monthly cost
$129,480/yrincome needed

About This Home

Welcome to your own slice of riverfront paradise on the beautiful Cartecay River! Nestled in a charming cabin community just 5 min from downtown Ellijay, this fully furnished rustic retreat blends timeless mountain charm with thoughtful updates. Whether you're looking for a personal getaway or an established short-term rental, this property is ready to enjoy from day one. The setting is what truly makes this cabin special. Situated on one of the Cartecay River's most sought-after stretches, you can launch your tube or kayak from your own private river access and float one of the area's most scenic sections; or put in upstream enjoy an approximately two-hour float ending at your property. With private stairs to the water, a riverside fishing deck, and river frontage that's nearly impossible to replicate today, this is a rare opportunity. Inside, you'll find warm rustic character with an open-concept kitchen dining area, a cozy wood-burning stove, and walls of windows in the living area showcasing spectacular river views. The main level features a primary bedroom, laundry room, and beautifully renovated full bath, while the upstairs loft offers additional sleeping space with a half bath. Outdoor living is just as inviting with a wraparound porch, an oversized screened porch overlooking the river, and a fire pit for evenings under the stars. The cabin has been recently renovated, including a new roof and HVAC system in 2025, plus additional interior updates throughout. For investors, the work has already been done. The cabin has been updated to meet Gilmer County short-term rental requirements. Tucked away in a quaint community of neighboring cabins, you'll enjoy the charm of a mountain retreat with a welcoming atmosphere while still feeling immersed in nature. Opportunities to own this close to the Cartecay River are becoming increasingly rare—don't miss your chance to own one of Ellijay's most unique riverfront cabins.

Getting Around

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

Schools

7/10
8/10
7/10
Gilmer High SchoolGrades 9-125.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1987

Materials

  • Roof: Metal
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,See Remarks
  • Property subType: Residential

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Loft,Eat-in Kitchen,High Speed Internet
  • Flooring: Wood,Carpet
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,337
  • Total interior livable area: 1,337 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3077A 054

Features

  • Patio & porch: Screened,Deck,Covered
  • Exterior features: Dock
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Cartecay,Na
  • Frontage type: River
  • Topography of land: Level,Sloping

Lot

  • Lot size: 0.44 Acres

Parking

  • Parking features: Driveway,Concrete
  • 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 WaveVery High
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Strong Wind
Tornado
Drought
Hail
Ice Storm
Landslide
Wildfire

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 $2,624$31,488
Home Insurance *$217$2,604
Property Taxes $177$2,124
Electricity $219$2,637
Total$3,237$38,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,982/yr
40% on housing$97,110/yr
45% on housing$86,320/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

$388This listing

vs Other Active Listings

Avg $/sqft

ZIP 30540$209
Gilmer County$207

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)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$519,000
2026-08-03Listed for sale$519,000

For Sale by Agent

AgentThe Fountain Team
BrokerageREMAX Town & Country - Ellijay

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