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Single Family ResidenceResidential
$369,900$550 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $399,000 on May 27, 2022

20 RIVER ROCK RD

ELLIJAY, GA 30540
2
Beds
1
Baths
672 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.77 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$370K
$335K low$405K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$399,000 · May 27, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$10,800
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$8,640
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.97%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$359,100
HOMEBRIDGE FINANCIAL SERVICES · recorded May 27, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,854 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$120,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$104,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$117,840
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$300,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Tlog Home
CountyGilmer
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2004
Lot (acres)The size of the land the home sits on, from county records.0.77
ConstructionThe main material the home's frame and walls are built from.Log
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 460 ft²Porch · 224 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Ellijay Elementary SchoolC+
Elementary · Grades PK–5 · 3.9 mi
H
Gilmer High SchoolB+
High · Grades 9–12 · 5.7 mi
M
Clear Creek Middle SchoolA-
Middle · Grades 6–8 · 8.8 mi

District: Gilmer County School District

Neighborhood · ZIP 30540These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.115

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.20,718
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.102 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,951
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,047
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.63 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20 River Rock Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 98% of homes in Ellijay 30540
  • Smaller than 96% of homes in Ellijay 30540
  • Has a smaller lot than 78% of homes in Gilmer County

What homes are worth in Ellijay 30540

Each bar is how many homes fall in that price range. The marker is this home.

This home
$37K$1.1M

This home is worth more than 47% of homes in Ellijay 30540.

How it measures up in Ellijay 30540

The dot is this home. The mark in the middle is the typical home in Ellijay 30540.

Estimated value$369,900
CheaperTypical $386,450Pricier

Pricier than 47% of homes nearby

Price per ft²$550
CheaperTypical $235Pricier

Pricier than 98% of homes nearby

Living area672 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.77 ac
SmallerTypical 1.26 acBigger

Bigger than 28% of homes nearby

Year built1994
OlderTypical 2000Newer

Newer than 36% of homes nearby

How 20 River Rock Rd ranks against every home in each area.
MeasureThis homeEllijay 30540Gilmer County
Estimated valuepricier than$369,90047% of homes44% of homes
Price per ft²pricier than$55098% of homes98% of homes
Living areabigger than672 ft²4% of homes4% of homes
Lot sizebigger than0.77 ac28% of homes22% of homes
Year builtnewer than199436% of homes38% of homes

About 20 River Rock Rd

How much is 20 River Rock Rd, Ellijay, GA worth?

The TopHap Estimate for 20 River Rock Rd, Ellijay, GA is $369,900 as of Jul 14, 2026. The likely range is $335,029 to $404,771. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 River Rock Rd, Ellijay, GA last sell?

20 River Rock Rd, Ellijay, GA last sold on May 27, 2022 for $399,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 20 River Rock Rd, Ellijay, GA?

20 River Rock Rd, Ellijay, GA has 2 bedrooms, 1 bathrooms, 672 square feet of living space and a 0.77-acre lot.

When was 20 River Rock Rd, Ellijay, GA built?

20 River Rock Rd, Ellijay, GA was built in 1994, making it 32 years old. It is a tlog home home. The building has 1 story.

What schools serve 20 River Rock Rd, Ellijay, GA?

20 River Rock Rd, Ellijay, GA is assigned to Ellijay Elementary School (elementary), rated C+; Gilmer High School (high), rated B+; Clear Creek Middle School (middle), rated A-. All sit in Gilmer County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 River Rock Rd, Ellijay, GA compare to other homes in Ellijay 30540?

Among the 11,983 homes in Ellijay 30540, it is worth more than 47% of them ($369,900 against a typical $386,450), its price per square foot is higher than 98% of them ($550 against a typical $235), it is bigger than 4% of them (672 ft² against a typical 1,632 ft²), its lot is bigger than 28% of them (0.77 ac against a typical 1.26 ac) and it is newer than 36% of them (1994 against a typical 2000). Measured against all of Gilmer County, it is worth more than 44% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20 River Rock Rd, Ellijay, GA?

The 2025 property tax bill for 20 River Rock Rd, Ellijay, GA was $1,854. The county assessed it at $120,000.

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Closest homes

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Assigned schools

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