201 Talona Lake Terrace, Ellijay, GA 30536
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 1993 · 33 yrs
- 1,625 sq ft of living area
- Garage
- 14 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1993BuiltPer public record
- Sep 2, 2026First trackedObserved at $540,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $2,776/mo 78%
- Taxes $472/mo 13%
- Insurance $266/mo 7%
- HOA $50/mo 1%
$3,565/mo at 20% down, 30-yr @ 6.66% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
46/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $332 per square foot, about in line with the community’s $332 median. Talona Lake’s 12-month median sold price per square foot is $332. MLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
A rare opportunity to own one of Talona Lake's most desirable waterfront homes. Offering an exceptional blend of peaceful lakefront living, modern convenience, and true one-level comfort, this beautifully maintained home captures everything buyers seek in a North Georgia retreat. Tucked along the tranquil shores of Talona Lake, you'll enjoy the serenity of waterfront living while remaining just minutes from Ellijay's shopping, dining, healthcare, and outdoor recreation.
Designed for both effortless entertaining and comfortable everyday living, the thoughtfully designed floor plan creates inviting spaces that flow naturally throughout the home. The spacious living room opens seamlessly into the beautifully updated kitchen, where an oversized leathered granite center island with bar seating serves as the heart of the home. Just beyond, a versatile flex space currently functions as a home office but easily adapts into a formal dining room, second family room, reading lounge, hobby room, or creative studio.
Spacious bedrooms, beautiful flooring, a generously sized laundry room, and tasteful finishes throughout complete this warm and welcoming residence. The outdoor living experience is equally impressive. Begin your mornings with coffee on the screened porch overlooking the lake, unwind in the private hot tub after a day on the water, or entertain family and friends across multiple outdoor gathering spaces.
A gentle pathway leads to your private lakeside seating area where fishing, kayaking, paddleboarding, birdwatching, or simply watching spectacular sunsets become part of everyday life. Unlike many larger recreational lakes, Talona Lake is cherished for its peaceful atmosphere, limited boat traffic, and relaxed pace-offering a waterfront lifestyle centered on tranquility rather than crowds. Comfort and peace of mind continue throughout the property with an oversized two-car garage, a whole-house 24kW Generac generator, a dedicated propane connection for outdoor grilling, and a beautifully landscaped one-acre lot offering an easy, gentle walk to the shoreline.
One of this home's greatest advantages is its exceptional location. Enjoy the privacy of lakefront living while being just five minutes from Highway 515, providing convenient access to Metro Atlanta and Hartsfield-Jackson Atlanta International Airport. Everyday conveniences-including Walmart, Publix, Aldi, and the new Piedmont Hospital-are all within five minutes.
Located near Ellijay's celebrated apple orchards, wineries, hiking trails, historic downtown, and year-round festivals, you'll enjoy the very best of North Georgia living. Carter's Lake is approximately 15 miles away, Murphy, North Carolina, is less than an hour away, and Cherokee is an easy day trip, placing some of the Southeast's most desirable outdoor destinations within easy reach. Every season brings its own beauty.
Spring mornings begin with coffee on the screened porch as the lake awakens around you. Summer days invite kayaking, fishing, paddleboarding, and evenings spent entertaining on the deck. Autumn transforms the surrounding mountains into brilliant shades of gold, crimson, and amber, their reflections shimmering across the water, while crisp evenings are perfect for soaking in the hot tub beneath a canopy of stars.
Winter offers peaceful lake views, quiet sunsets, and the simple comfort of gathering with family after a day exploring the North Georgia mountains. This is more than a home-it's a place where memories are made, traditions are created, and life naturally slows to the pace you've been searching for.
Description provided by RE/MAX Town & Country and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $540,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 80 active listings competing, 13 under contract
For reference, this home is listed at $540,000 ($332/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,625 sq ft × $292–$372/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 3, 2026.
Similar homes for sale near Talona Lake
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by RE/MAX Town & Country · MLS # 10820025
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Recent sales activity in Talona Lake
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Talona Lake neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Assigned schools
Schools currently assigned to this address in Gilmer County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
Data sources & freshness
| Listing record | Georgia MLS, refreshed twice daily (last: September 3, 2026) |
| Community market stats | Georgia MLS closed sales, as of September 3, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 201 Talona Lake Terrace in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.