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365 Ruby Ln, Mineral Bluff, GA, 30559

2beds
2baths
1,232sqft
$319,900
$260price/sqft
$2,180/moest. monthly cost
$87,200/yrincome needed

About This Home

STOP RENTING & START BUILDING EQUITY Whether you're purchasing your FIRST HOME, Downsizing or seeking an Investment property, this Low-Maintenance home offers Exceptional Value w/a LARGE DETACHED WORKSHOP, Paved Access & High-Speed ETC Fiber Optic Internet. Situated on Unrestricted property, this home features an inviting Great Rm w/a Cathedral Ceiling, oversized TILE flooring, Recessed lighting & a built-in Arched Display Niche. Space is already prepped for a future Freestanding Fireplace with Double-Flue Venting & a Tiled Accent Wall Backdrop. The kitchen is designed for functionality w/Raised-Panel Oak Cabinetry, Crown Molding, Pantry Cabinets, an Extended Breakfast Bar, Granite Composite Sink & a tube SKYLIGHT that fills the room with Natural Light. Both Bedrooms feature impressive 10-foot ceilings. Bedrooms offer Sturdy "wood-like" Luxury Vinyl flooring while the second features a Wood-Like Laminate. A Jack & Jill bath with tile flooring & Tub/Shower combination connects the bedrooms & a large walk-in closet provides generous storage. The heated & cooled one-car garage adds tremendous flexibility with a full SECOND bath, shower, laundry sink & laundry area already in place. Easily convert this space into additional living quarters, a recreation room, home office or guest suite (bathroom needs to be enclosed). Outside, the matching Vinyl-Sided Detached Workshop provides excellent storage, hobby space or studio with an attached Fenced-In Area suitable for Small Livestock or Pets. A circular driveway offers abundant parking & easy access. Additional highlights include TALL vinyl-clad Double-Pane windows with blinds & screens, recessed lighting throughout, Central HVAC w/New Heat Pump installed in 2025 & All-Paved access to the property. Shared Drilled Well. A Well-Maintained Home on Unrestricted land, a detached Workshop, Fiber Optic internet & Low-Maintenance Construction... at this price point is increasingly RARE especially built in 2006 w/a Detached Building

Getting Around

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

Schools

5/10
7/10
5/10
Fannin County High SchoolGrades 9-126.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Foundation: Permanent
  • Roof: Metal,See Remarks
  • Construction materials: Frame,Concrete,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range,Dishwasher,Washer,Dryer,Electric Water Heater
  • Laundry features: In Garage

Basement

  • Has basement: Yes
  • Basement: Slab,None

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Eat-in Kitchen,High Speed Internet
  • Window features: Insulated Windows,Vinyl,Screens
  • Flooring: Concrete,Tile,Laminate,Luxury Vinyl
  • Fireplace features: Vented,Wood Burning,See Remarks
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump,Electric
  • Cooling features: Central Air,Electric,Heat Pump

Interior Area

  • Total structure area: 1,232
  • Total interior livable area: 1,232 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0030 0954B

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Covered,Open
  • Exterior features: Storage,Garden,Private Yard
  • Has view: Yes
  • View description: Trees/Woods
  • Frontage type: Road
  • Topography of land: Level

Lot

  • Lot size: 1.10 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Hail
Ice Storm
Landslide
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 $1,617$19,404
Home Insurance *$115$1,380
Property Taxes $229$2,748
Electricity $219$2,637
Total$2,180$26,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,742/yr
40% on housing$65,400/yr
45% on housing$58,133/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$260This listing

vs Other Active Listings

Avg $/sqft

ZIP 30559$253
Fannin County$280

vs Homes Sold Last Month

Median $/sqft

ZIP 30559
Fannin County$299

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
2026-08-10Price change$299,900
2026-06-18Price change$319,900
2026-03-30Listed for sale$347,700
2026-03-30Listing removed$350,000
2026-02-16Listed for sale$350,000
2016-02-10Listing removed$900
2015-12-22Listed for rent$900
2015-04-09Listing removed$92,400
2015-01-03Price change$92,400
2014-10-21Listed for sale$98,300
2013-05-21Listing removed$99,900
2013-04-19Price change$99,900
2013-02-27Listed for sale$114,900
2005-10-26Sold$8,000

For Sale by Agent

AgentNancy Anderson Mac Lean
BrokerageBHGRE Metro Brokers - Blue Ridge

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