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Pending61 days listed

144 Emerald Cove, Ellijay, GA 30705

  • 3bd
  • 4ba
  • 2,428SF
  • 1.84ac lot

Single-family homeEmerald Cove

List price

$475,000

$196/SF list

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FMLS IDXFMLS #7828196 · Listing Provided By RE/MAX Town And Country · 706-273-9033 · Listing agent Cindy West

Location

144 Emerald Cove, Ellijay GA 30705

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About this home

Less than a mile from Carters Lake, this fully equipped mountain retreat delivers the ultimate lake lifestyle with usable acreage, no HOA, and room for all your toys. With fenced yards, boat/RV parking, and multiple garages, this is the kind of property buyers wait for—and rarely find this close to the water. This charming 3BR/4BA mountain cabin has 3 en-suites and is perfectly positioned for those craving peaceful North Georgia living, situated on 1.84 usable acres w/level land & all paved access—a rare combination this close to the lake. Designed with both lifestyle and functionality in mind, the property features a 2-car garage PLUS recreation garage and a 20-ft boat/RV parking pad—ideal for storing all your lake toys just minutes from the water. Inside, warm honey-toned woodwork creates a classic cabin feel, complemented by hardwood floors, a stone wood-burning fireplace, and a well-appointed kitchen with abundant oak cabinetry, farmhouse sink, and dining area. The main-level primary suite offers a tiled shower and heated tile floors, while upstairs you’ll find two spacious en-suite guest bedrooms plus a loft ideal for a home office or additional sleeping space. The terrace level adds even more versatility with a workshop area and full bath featuring a handicap-accessible shower or ideal dog wash. Outdoor living shines with a covered wraparound porch, screened porch, and inviting firepit area—perfect for relaxing after a day on the lake. Packed with upgrades including FIBER optic internet, whole-house GENERATOR, 500-gallon propane tank, and private well, this home is built for comfort and peace of mind. Spend your days enjoying nature, exploring nearby hiking trails or launching your boat, kayak, or paddleboard on Carters Lake, then return home to your private mountain retreat just 20 minutes from Ellijay—yet it feels a world away with a scenic mountain drive that beats city traffic every time. Full time residents, age 65 and older are exempt from school tax.

How this list price compares in Ellijay

Figures are list prices from current FMLS IDX inventory (Active, Active Under Contract and Pending), not sales prices or appraisals.

Home facts

Property type
Single-family home
Status
Pending
Bedrooms
3
Full baths
4
Living area
2,428 SF
Lot size
1.84 acres
Year built
1999
Levels
Two
Main-level bedrooms
1
Garage spaces
2
Parking
Drive Under Main Level, Driveway, Garage
Basement
Full, Unfinished
Style
Cabin, Country
Construction
Wood Siding, Other
Roof
Metal
Flooring
Carpet, Ceramic Tile, Hardwood
Heating
Central, Electric, Propane, Other
Cooling
Ceiling Fan(s), Central Air
Fireplaces
1
Appliances
Dishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
Lot
Level, Sloped
Community
Other
HOA
No
Annual tax
$3,144 (2025)
County
Gilmer

Assigned schools

As reported in the listing. Verify with the school district.

Payment estimate

Estimate the monthly payment

Prefilled with the list price of $475,000 and this week's average rate. Change anything to see your number.

Loan type
Estimated monthly payment

$3,502/mo

Principal and interest
$2,937
Property tax
$262
Home insurance
$125
Mortgage insurance
$178
Loan amount
$427,500
Cash down
$47,500

This is an estimate only. Not a lender, not a loan offer and not a rate quote. Rates: Freddie Mac PMMS weekly average for 2026-10-22: 30-yr 7.32%, 15-yr 6.68%. Tax uses the annual tax amount in the listing; insurance assumes $1,500 a year. Conventional adds 0.5% a year mortgage insurance under 20% down; FHA uses 3.5% minimum down, a 1.75% upfront premium financed and 0.55% a year MIP; VA adds a 2.15% funding fee financed under 5% down and no monthly MI. Talk to a licensed lender for a real quote.

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Questions about this home

How do I schedule a showing of this home?

Use the "Ask about this home" form on this page and include the days and times that work for you. Jeff Crowe will follow up to set up a showing.

How do I get more information about this listing?

Send your question through the form on this page. Listing details come from FMLS and are provided by RE/MAX Town And Country, so confirm them before making an offer.

Is this home still available?

This page shows the status reported in FMLS (Pending) as of the last update. Status can change quickly, so ask through the form to confirm before you tour.

How is the monthly payment estimate calculated?

It uses the list price, an average mortgage rate, the tax amount in the listing (or an estimated tax rate when none is given), estimated insurance and any HOA dues in the listing. It is an estimate only, not a loan offer. Talk to a licensed lender for a real quote.

Where can I see similar homes for sale in Ellijay?

See the similar homes section on this page, or browse all homes for sale in Ellijay, GA.

Beyond homes

Also exploring Georgia investment real estate?

Jeff Crowe is a local, full-service agent with CENTURY 21 The Avenues who also works with buyers and sellers of apartment buildings, churches, commercial property and land across Georgia. The pages below are other property types and investor research, separate from this home listing.

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