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967 Saddle Gap Dr, Clayton, GA, 30525

2beds
2baths
1,332sqft
$399,900
$300price/sqft
$2,915/moest. monthly cost
$116,600/yrincome needed

About This Home

VIEWS, PRIVACY & PROXIMITY TO DOWNTOWN CLAYTON!! Nestled atop the tranquil Screamer Mountain, this charming 2-bedroom, 2-bath home offers an idyllic escape with breathtaking long-range mountain vistas and unmatched privacy. Spanning 1,332 sq ft on two lots totaling 3.1 acres, this property combines serenity with accessibility, conveniently located just 8 minutes from downtown Clayton and a mere minute off the paved main road, Warwoman. The home's positioning provides complete privacy and unobstructed, year-round views-an uncommon find at such an altitude with such a short, easy drive. Its design embraces an open house concept, perfect for those who value space and natural light. Central to the living area is a cozy wood-burning fireplace, creating the perfect ambiance for memorable evenings. The kitchen and dining area flow seamlessly together, making it ideal for entertaining guests or enjoying quiet family meals. The main bedroom, conveniently located on the first floor, features a spacious walk-in closet and an ensuite bath, offering a private and peaceful haven. Upstairs, a second bedroom with its own private bathroom provides comfortable accommodations for guests. Additional features include an unfinished basement that serves as extra storage space and a workshop with ample potential for customization. The property also includes an additional lot equipped with a 1-bedroom septic system, ready for expansion or a second home. This extra lot presents a remarkable opportunity to expand, build an additional home, or simply enjoy the extra acreage for recreational activities. This rare find perfectly blends comfort, convenience, and stunning natural beauty.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
6/10
7/10
Rabun County High SchoolGrades 9-124.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1994

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow/Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Ice Maker,Microwave,Oven/Range (Combo),Refrigerator,Washer
  • Laundry features: Mud Room

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Exterior Entry,Partial

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Beamed Ceilings,Bookcases,High Ceilings,Master On Main Level,Rear Stairs,Entrance Foyer,Walk-In Closet(s)
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,332

Heating & Cooling

  • Heating features: Heat Pump,Wood
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,332
  • Total interior livable area: 1,332 sqft

Property

Details

  • Parcel number: 051C 034B
  • Special condition: Covenants/Restrictions

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Garden
  • Has view: Yes
  • View description: Mountain(s)
  • Residential vegetation: Wooded

Lot

  • Lot size: 3.01 Acres
  • Features: Level,Other,Private

Parking

  • Parking features: Guest,Kitchen Level,Side/Rear Entrance,Storage

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding
Ice Storm
Landslide
Strong Wind
Tornado

FEMA Declared Disasters Across Georgia Counties

Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,022$24,264
Home Insurance *$159$1,908
Property Taxes $515$6,180
Electricity $219$2,637
Total$2,915$34,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,942/yr
40% on housing$87,450/yr
45% on housing$77,733/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 9.5%
9.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 30525$249
Rabun County$276

vs Homes Sold Last Month

Median $/sqft

ZIP 30525
Rabun County$346

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-17Price change$430,000
2025-12-09Price change$450,000
2025-10-03Price change$499,999
2025-08-28Price change$510,000
2025-07-03Listed for sale$535,000
2024-12-11Listing removed$535,000
2024-05-09Listed for sale$535,000

For Sale by Agent

AgentTambrie Kitchens
BrokerageBHHS Georgia Properties

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