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27 Saddle Mountain Rd SE, Rome, GA, 30161

5beds
4baths
3,310sqft
$439,800
$133price/sqft
$3,203/moest. monthly cost
$128,120/yrincome needed

About This Home

Welcome to this spacious 5-bedroom, 3.5-bathroom home in the beautiful Saddle Mountain neighborhood! This home offers an open-concept kitchen with lots of cabinet space, a custom island, and views into the beautiful living area featuring a vaulted ceiling, exposed beams, and a gorgeous stone fireplace. The oversized primary suite is on the main level and includes a tiled bathroom with a soaking tub, walk-in shower, and large walk-in closets. The main floor also features a separate dining area, convenient laundry access, and a half bathroom. Upstairs are two additional bedrooms, a full bathroom, and a cozy loft sitting area overlooking the living area below. The full basement provides even more living space with a large den, two oversized bedrooms, a full bathroom, an additional brick fireplace, and plenty of unfinished storage space. The interior features new LVP and paint throughout! Outside you can enjoy outdoor living on the large deck and the views of the backyard. Don't miss out, this home offers space, style, and comfort in a great location!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
3/10
Rome Middle SchoolGrades 7-85.1 mi
6/10
Rome High SchoolGrades 9-125.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1987

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Stone,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Microwave,Refrigerator
  • Laundry features: In Hall

Basement

  • Has basement: Yes
  • Basement: Bath Finished,Concrete,Exterior Entry,Finished,Full,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Separate Room

Features

  • Double Vanity,High Ceilings,Master On Main Level,Separate Shower,Soaking Tub,Split Bedroom Plan,Tile Bath,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 2
  • Fireplace features: Basement,Family Room
  • Fireplace: Yes
  • Finished area below ground: 910
  • Finished area above ground: 2,400
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,310
  • Total interior livable area: 3,310 sqft

Kitchen

  • Features: Kitchen Island,Solid Surface Counters

Property

Details

  • Parcel number: J15Z 018

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Seasonal View
  • Residential vegetation: Cleared,Grassed,Partially Wooded

Lot

  • Lot size: 1.12 Acres
  • Features: City Lot,Private,Sloped

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Strong Wind
Hail
Inland Flooding
Lightning

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 $2,223$26,676
Home Insurance *$322$3,864
Property Taxes $337$4,044
Electricity $321$3,859
Total$3,203$38,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,817/yr
40% on housing$96,090/yr
45% on housing$85,413/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 14.9%
14.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 30161$121
Floyd County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 30161$153
Floyd County$154

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
2026-04-15Price change$447,000
2025-12-08Listed for sale$459,800
2018-06-25Sold$266,000
2018-06-07Pending sale$274,000
2018-04-05Listed for sale$274,000

For Sale by Agent

AgentStephen Douglas Graves
BrokerageHardy Realty & Development Company

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