1/4
Active Price cut: $1,500 (8/31)
$78,500
Lot / land listing
120R Red Oak Trail, Ellijay, GA 30540
About this home
Beautiful mountain views!! Escape the noise and fast pace of everyday life and experience mountain living on this beautiful 1.21-acre wooded lot in Ellijay, just seven miles from downtown. This property offers access to Mountaintown Creek and community amenities such as a trout steam, pavilion, pickleball courts, creekfront park, and kayak launch. The lot features gently…
Pool
Listing remarks courtesy of Ga Classic Realty.
· FMLS #7778803404-618-5866
$537
Home details
1.2 ac
Lot
$605/annual
HOA
$106/yr
Est. taxes
May 27, 2026
Listed
Offer insights
Choose an offer strength
List price: $78,500
$78K–$78K
70% to 90% chance of a winning offerJust under asking — competitive when the home is fresh.
96 days on market — sitting listings negotiate. A moderate offer here does more than these odds suggest.
Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.
Home facts
Payment calculator
$610/mo
Principal & interest$458
Property taxes$79
Home insurance$23
HOA$50
Down payment$7,850 (10%)
Interest rate6.750%
Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.
Assumable loan?
If the seller has an FHA, VA or USDA mortgage, you may be able to take it over and keep their rate, often far below today’s. This listing doesn’t say. Ask, and a Veribas agent will check the seller’s loan and tell you the rate, the balance and what you’d need down.
Down payment assistance
Middle-income census tract 13123080403 · Gilmer County · FFIEC 2026
Georgia Dream down payment assistance
Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)
For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.
The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).
Chenoa Fund down payment assistance
5% of the price · Forgivable loan (forgiven after a set time in the home)
For down payment. 600+ credit score. Ends Dec 31, 2026.
Value & price history
Estimated valueListed for salePrice cut
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Schools
Gilmer - OtherElementary
Clear CreekMiddle
GilmerHigh
Location
40 for sale 1 pending 12 sold
Listed by
Ga Classic Realty
Source: FMLS · #7778803
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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.
