202 Standing Rock Ln
Ellijay, GA 30540
$165,000
2 bd · 1 ba · Listed 23d ago
View on Realtor.com →Year built
1970
Sqft
—
Lot sqft
130,680
HOA / mo
$0
Furnished
No
List date
2026-09-04T14:51:24.000000Z
Revenue
Annual revenue
$33,445
ADR
$194
Occupancy
47%
Cleaning fees (12 mo)
$7,259
Confidence
Low (22.44), 49 comps
Comp revenue range (p25 / median / p75)
River Rest: Romantic & Relaxing Setting with Hot Tub on a Trophy Trout Stream
Cabin · 2 bd · 2 ba · sleeps 4 · 0.8 mi
Revenue $34,963ADR $201Occ ≈ 48%4.9★ (251)
Ellijay Luxury Family Glamper! Indoor pool & deer
Tiny house · 2 bd · 1 ba · sleeps 4 · 1.1 mi
Revenue $22,411ADR $579Occ ≈ 11%4.8★ (28)
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
River Rest: Romantic & Relaxing Setting with Hot Tub on a Trophy Trout Stream Cabin | 2 bd · 2 ba · sleeps 4 | $34,963 | $201 | 48% | 4.9★ (251) | 0.8 mi | Vrbo |
Riverfront Cabin- Hot Tub +Firepit +Apple Orchards Cabin | 2 bd · 2 ba · sleeps 6 | $56,770 | $269 | 58% | 5★ (131) | 1.0 mi | AirbnbVrbo |
Killin Time River Cabin Cabin | 2 bd · 2 ba · sleeps 7 | $8,357 | $0 | — | 5★ (24) | 1.0 mi | AirbnbVrbo |
Cabin River Retreat / Hot Tub / Blue Ridge Mtns Cabin | 2 bd · 2 ba · sleeps 8 | $52,071 | $274 | 52% | 5★ (51) | 1.0 mi | AirbnbVrboBooking |
Riverside! Bring Your Pups+ Hot Tub+Firepit+COMFY Cabin | 2 bd · 2 ba · sleeps 5 | $23,249 | $306 | 21% | 5★ (113) | 1.0 mi | AirbnbVrbo |
Riverfront Cottage In The Coosawattee Resort. Cabin | 2 bd · 2 ba · sleeps 6 | $15,764 | $246 | 18% | 5★ (8) | 1.1 mi | AirbnbVrboBooking |
River View Getaway by 2DC House | 2 bd · 2 ba · sleeps 4 | $36,345 | $212 | 47% | 5★ (100) | 1.1 mi | AirbnbVrboBooking |
Ellijay Luxury Family Glamper! Indoor pool & deer Tiny house | 2 bd · 1 ba · sleeps 4 | $22,411 | $579 | 11% | 4.8★ (28) | 1.1 mi | Airbnb |
Cedar & Pine River Cabin Cabin | 2 bd · 1 ba · sleeps 4 | $4,201 | $168 | 7% | 5★ (4) | 1.2 mi | AirbnbVrbo |
New! Private Estate | Stunning Waterfront Property Cabin | 2 bd · 2 ba · sleeps 4 | $85,041 | $545 | 43% | 5★ (22) | 1.2 mi | AirbnbVrbo |
Show all 50 comps
Rustic Charming Creekfront Ellijay Cabin
Cabin · 2 bd · 1 ba · sleeps 7 · 1.2 mi
Revenue $14,159ADR $141Occ ≈ 28%4.9★ (67)
NEW! Slow Forest Cabin Blue Ridge | Deer Sun Rest
Cabin · 2 bd · 2 ba · sleeps 6 · 1.3 mi
Revenue $22,310ADR $221Occ ≈ 28%5★ (20)
Care Bears Cottage
Camper/RV · 2 bd · 1 ba · sleeps 5 · 1.4 mi
Revenue $1,435ADR $128Occ ≈ 3%4.8★ (12)
Otto Ellijay | Modern Home in the Woods
House · 2 bd · 1 ba · sleeps 4 · 1.4 mi
Revenue $15,582ADR $238Occ ≈ 18%5★ (18)
Relax camping in the mountains!
Camper/RV · 2 bd · 1 ba · sleeps 5 · 1.4 mi
Revenue $2,433ADR $172Occ ≈ 4%5★ (8)
Waterfront Cabin - Hot Tub - Fishing - Private Driveway - Firepit
Cabin · 2 bd · 2 ba · sleeps 6 · 1.5 mi
Revenue $18,024ADR $316Occ ≈ 16%4.9★ (43)
Dream Ridge | Ellijay, GA
Cabin · 2 bd · 2 ba · sleeps 4 · 1.7 mi
Revenue $7,555ADR $314Occ ≈ 7%5★ (4)
LUXE Health Retreat
Cabin · 2 bd · 2 ba · sleeps 6 · 1.7 mi
Revenue $70,587ADR $970Occ ≈ 20%5★ (4)
Very Private, Quiet Cabin With A Mountain View
Cabin · 2 bd · 2 ba · sleeps 6 · 1.8 mi
Revenue $3,924ADR $275Occ ≈ 4%4.8★ (71)
Dog-friendly cabin with hot tub, 2 fireplaces, game room. washer/dryer & AC
Cabin · 2 bd · 2 ba · sleeps 6 · 1.9 mi
Revenue $24,752ADR $211Occ ≈ 32%4.8★ (15)
On The Rocks-Riverfront Cabin
Vacation home · 2 bd · 1 ba · sleeps 4 · 2.0 mi
Revenue $8,215ADR $356Occ ≈ 6%—
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Mountain Romance - Hot Tub - River Walk House | 2 bd · 2 ba · sleeps 4 | $14,114 | $243 | 16% | 5★ (13) | 1.2 mi | AirbnbVrboBooking |
Rustic Charming Creekfront Ellijay Cabin Cabin | 2 bd · 1 ba · sleeps 7 | $14,159 | $141 | 28% | 4.9★ (67) | 1.2 mi | Airbnb |
Deer River Retreat | Waterfront in Coosawattee Cabin | 2 bd · 2 ba · sleeps 6 | $55,317 | $265 | 57% | 4.8★ (123) | 1.3 mi | AirbnbVrbo |
Moon River | Ellijay, GA Cabin | 2 bd · 2 ba · sleeps 4 | $53,127 | $335 | 43% | 4.8★ (36) | 1.3 mi | AirbnbVrbo |
Waterfront Cabin on trophy trout stream, fire pit Cabin | 2 bd · 1 ba · sleeps 6 | $60,544 | $313 | 53% | 4.8★ (57) | 1.3 mi | AirbnbVrbo |
NEW! Slow Forest Cabin Blue Ridge | Deer Sun Rest Cabin | 2 bd · 2 ba · sleeps 6 | $22,310 | $221 | 28% | 5★ (20) | 1.3 mi | Airbnb |
Creeksong is a Gorgeous Creekfront Cabin Rental Cabin | 2 bd · 2 ba · sleeps 4 | $70,012 | $292 | 66% | 4.8★ (37) | 1.3 mi | AirbnbVrboBooking |
Modern Cabin, Forest Deck and Deer Everywhere Cabin | 2 bd · 1 ba · sleeps 6 | $28,199 | $254 | 30% | 5★ (1) | 1.3 mi | AirbnbVrbo |
Chardonnay River Chalet| Ellijay, GA Cabin | 2 bd · 2 ba · sleeps 4 | $72,455 | $340 | 58% | 4.9★ (28) | 1.3 mi | AirbnbVrbo |
Care Bears Cottage Camper/RV | 2 bd · 1 ba · sleeps 5 | $1,435 | $128 | 3% | 4.8★ (12) | 1.4 mi | Airbnb |
Riverside Ellijay Cabin w/ Hot Tub & Game Room Cabin | 2 bd · 2 ba · sleeps 6 | $37,380 | $266 | 39% | 4.7★ (113) | 1.4 mi | AirbnbVrboBooking |
Otto Ellijay | Modern Home in the Woods House | 2 bd · 1 ba · sleeps 4 | $15,582 | $238 | 18% | 5★ (18) | 1.4 mi | Airbnb |
2BR River home with kayaks & fishing Cabin | 2 bd · 2 ba · sleeps 6 | $28,557 | $219 | 36% | 4.7★ (3) | 1.4 mi | AirbnbVrboBooking |
Lullaby Creek private, large creek, hot tub Cabin | 2 bd · 2 ba · sleeps 4 | $65,898 | $281 | 64% | 4.8★ (22) | 1.4 mi | AirbnbVrboBooking |
Relax camping in the mountains! Camper/RV | 2 bd · 1 ba · sleeps 5 | $2,433 | $172 | 4% | 5★ (8) | 1.4 mi | Airbnb |
3 BR home with access to community amenities House | 2 bd · 2 ba · sleeps 6 | $17,305 | $208 | 23% | — | 1.4 mi | AirbnbVrboBooking |
Wanderlust Lodge-Waterfront-Dog Friendly-Hot tub House | 2 bd · 2 ba · sleeps 8 | $27,572 | $217 | 35% | 4.8★ (5) | 1.4 mi | AirbnbVrbo |
Saxonville Lodgehouse Farm stay | 2 bd · 1.5 ba · sleeps 7 | $4,158 | $113 | 10% | 4.9★ (10) | 1.5 mi | AirbnbVrbo |
River Front House in Ellijay Cabin | 2 bd · 2 ba · sleeps 6 | $40,510 | $195 | 57% | 4.7★ (219) | 1.5 mi | AirbnbVrbo |
Waterfront Cabin - Hot Tub - Fishing - Private Driveway - Firepit Cabin | 2 bd · 2 ba · sleeps 6 | $18,024 | $316 | 16% | 4.9★ (43) | 1.5 mi | Vrbo |
On River Time House | 2 bd · 2 ba · sleeps 4 | $21,111 | $108 | 54% | 4.8★ (105) | 1.5 mi | AirbnbVrbo |
Rustic Elegance of Ellijay Cabin | 2 bd · 2 ba · sleeps 6 | $1,667 | $238 | 2% | 4.8★ (33) | 1.5 mi | AirbnbVrbo |
Riverfront Cabin/Hot Tub/Secluded w/Resort Amenity Cabin | 2 bd · 2 ba · sleeps 5 | $59,416 | $235 | 69% | 5★ (239) | 1.5 mi | AirbnbVrbo |
Rushing Waters | Ellijay, GA Cabin | 2 bd · 2 ba · sleeps 6 | $2,952 | $246 | 3% | — | 1.5 mi | AirbnbVrbo |
Dream Ridge | Ellijay, GA Cabin | 2 bd · 2 ba · sleeps 4 | $7,555 | $314 | 7% | 5★ (4) | 1.7 mi | Vrbo |
NEW | HotTub | GameRoom | Firepit | Master on Main Cabin | 2 bd · 2 ba · sleeps 6 | $46,910 | $216 | 60% | 5★ (28) | 1.7 mi | AirbnbVrbo |
Peaceful home, large hot tub, deer sightings House | 2 bd · 2 ba · sleeps 6 | $15,684 | $279 | 15% | 4.9★ (48) | 1.7 mi | AirbnbVrbo |
LUXE Health Retreat Cabin | 2 bd · 2 ba · sleeps 6 | $70,587 | $970 | 20% | 5★ (4) | 1.7 mi | Airbnb |
Fire Pit + Free Wood | Pizza Oven & Grill | Deer Cabin | 2 bd · 2 ba · sleeps 4 | $37,437 | $185 | 55% | 5★ (81) | 1.8 mi | AirbnbVrbo |
Luxury Cabin with Hot Tub in Gated Community Cabin | 2 bd · 2 ba · sleeps 6 | $15,186 | $261 | 16% | 5★ (87) | 1.8 mi | AirbnbVrbo |
Very Private, Quiet Cabin With A Mountain View Cabin | 2 bd · 2 ba · sleeps 6 | $3,924 | $275 | 4% | 4.8★ (71) | 1.8 mi | Airbnb |
Cozy Cabin at a Mountain Resort 4 Mi to Downtown! Cabin | 2 bd · 2 ba · sleeps 4 | $21,692 | $223 | 27% | 5★ (75) | 1.9 mi | AirbnbVrbo |
Rocky Road Retreat Stay Cabin | 2 bd · 2 ba · sleeps 6 | $4,428 | $216 | 6% | 4.5★ (25) | 1.9 mi | AirbnbVrboBooking |
Dog-friendly cabin with hot tub, 2 fireplaces, game room. washer/dryer & AC Cabin | 2 bd · 2 ba · sleeps 6 | $24,752 | $211 | 32% | 4.8★ (15) | 1.9 mi | Vrbo |
NEW: Dawn Lane Escape | Hot Tub | Mins to Town Cabin | 2 bd · 2 ba · sleeps 5 | $12,000 | $179 | 18% | 5★ (14) | 2.0 mi | AirbnbVrbo |
4 Mi to Dtwn Ellijay: Cabin w/ Pool & River Access Cabin | 2 bd · 2 ba · sleeps 8 | $15,491 | $198 | 21% | 5★ (15) | 2.0 mi | AirbnbVrbo |
Riverfront Cabin, Resort Pool, Hot Tub, Tubing House | 2 bd · 2 ba · sleeps 8 | $54,901 | $393 | 38% | 5★ (35) | 2.0 mi | AirbnbVrbo |
On The Rocks-Riverfront Cabin Vacation home | 2 bd · 1 ba · sleeps 4 | $8,215 | $356 | 6% | — | 2.0 mi | Booking |
Edgewater Dreams | Coosawattee Riverfront Cabin | 2 bd · 2 ba · sleeps 8 | $66,335 | $311 | 58% | 4.9★ (114) | 2.1 mi | AirbnbVrbo |
Drumm End, The Modern Shire Cabin | 2 bd · 2 ba · sleeps 8 | $11,144 | $226 | 14% | 5★ (13) | 2.1 mi | AirbnbVrbo |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Rate 7.78% = 7.03% Freddie Mac 30-yr avg (Sep 24) + 0.75% investor premium
Est. revenue
$33,445
NOI
$17,959
Cash flow /mo
$607
Cash needed
$63,850
Cash-on-cash
11.4%
ROE (yr 1)
20.9%
Cap rate
10.9%
DSCR
1.68
Year-1 write-off
$46,982
Year-1 tax shield @ 32%
$15,034
Year-1 return on equity
- Cash flow (annual)$7,290
- Principal paydown$1,080
- Appreciation at%$4,950
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$6,689
- Platform fees (3% of revenue)$1,003
- Maintenance / capex (5% of revenue)$1,672
- Utilities & supplies$4,200
- HOA$0
- Property tax$139
- Insurance (STR-rated)$1,782
Cash needed to close
- Down payment (25%)$41,250
- Closing costs (4.0%)$6,600
- Furnishing (bought new)$16,000
Tax savings if the STR loophole applies
- Tax shield @ 32%$15,034
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$121,000
Short-life (5/15-yr)
$31,000 · 25%
Year-1 deduction
$47,000
Year-1 tax shield @ 32%
$15,000
Land 27% (county tax record, market value split) · building $90,000 over 39 years · new furniture $16,000
Based on: ~1,400 sq ft (from beds), built 1970, 2 bd / 1 ba, unfurnished, listing features (fireplace, flooring types, septic).
IRS-guide safe-harbor floor: $38,000 in year 1 (18% short-life, $12,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $3,700
Kitchen cabinetsdefault
$8,900 new × 40% good × 1.04 allocation
- $3,000
Kitchen countertopsdefault
$7,300 new × 40% good × 1.04 allocation
- $1,000
Decorative trimdefault
$2,500 new × 40% good × 1.04 allocation
- $100
Mirrorsdefault
$200 new × 40% good × 1.04 allocation
- $400
Shelvingdefault
$900 new × 40% good × 1.04 allocation
- $1,500
Window coverings (14)default
$3,500 new × 40% good × 1.04 allocation
- $3,700
Carpet, vinyl & laminate (100% of floors)listing
$9,000 new × 40% good × 1.04 allocation
- $2,900
Kitchen & laundry equipment plumbingdefault
$6,900 new × 40% good × 1.04 allocation
- $1,700
Kitchen, laundry & data equipment electricaldefault
$4,200 new × 40% good × 1.04 allocation
- $3,400
Appliances (range, microwave, dishwasher, disposal, refrigerator, washer, dryer)default
$8,100 new × 40% good × 1.04 allocation
- $16,000
Furniture bought newlisting
$16,000 new × 100% good · bought separately
- $4,000
Paving: driveway & walks (paved)default
$7,800 new × 50% good × 1.04 allocation
- $3,900
Landscaping (typical)default
$7,500 new × 50% good × 1.04 allocation
- $700
Patiosdefault
$1,400 new × 50% good × 1.04 allocation
- $700
Decks & porches (attached)default
$1,400 new × 50% good × 1.04 allocation
- $63,200
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$151,900 new × 40% good × 1.04 allocation
- $6,500
Building plumbing & fixturesdefault
$15,700 new × 40% good × 1.04 allocation
- $6,200
Building electrical & lightingdefault
$15,000 new × 40% good × 1.04 allocation
- $6,600
HVACdefault
$15,800 new × 40% good × 1.04 allocation
- $1,100
Fireplacelisting
$2,600 new × 40% good × 1.04 allocation
- $6,200
Septic systemlisting
$12,000 new × 50% good × 1.04 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $37,300 | $9,400 | $300 | $47,000 |
| 2 | $0 | $0 | $2,300 | $2,300 |
| 3 | $0 | $0 | $2,300 | $2,300 |
| 4 | $0 | $0 | $2,300 | $2,300 |
| 5 | $0 | $0 | $2,300 | $2,300 |
| 6+ | $0 | $0 | $80,400 | $80,400 |
| Total | $37,300 | $9,400 | $89,900 | $136,600 |
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: Georgia disallows bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
Fannin and Gilmer counties require STR registration and lodging tax; no cap found. Blue Ridge and Ellijay city limits have their own rules; most cabins are in unincorporated county.