5425 Howard Road, Cumming, GA 30040
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 19, 2026, 5425 Howard Road in Cumming is listed at $739,990 (2,442 sq ft, about $303 per sq ft). It has been 16 days on market. Listing facts: built in 1985, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1985 · 41 yrs
- 2,442 sq ft of living area
- Listed at $739,990 — recent neighborhood median sale price ~$512,250 (nearby sales; deemed reliable, not an appraisal)
- 16 days on market
- No HOA reported by the listing (confirm)
About this home
Beautifully updated and full of farmhouse charm, this 4 bedroom/2.5 bath home sits on a level, fully fenced two-acre homesite with a NEWER ROOF, offering peaceful surroundings, modern updates, and incredible flexibility with no HOA restrictions. From the classic rocking-chair front porch to the expansive backyard, this property offers the space and setting to create the lifestyle you've been looking for, including the potential for a small homestead with animals, gardening, and other outdoor pursuits. MAIN LEVEL: Double entry doors open to a welcoming main level where beautiful hardwood floors flow throughout the open-concept floor plan.
The spacious living room connects seamlessly to the adjoining dining area, creating an inviting space for everyday living and entertaining. Updated kitchen is the heart of the home, featuring a large butcher-block center island with breakfast-bar seating, counter-to-ceiling subway tile backsplash, apron sink, and stainless steel appliances, including a range hood. Desirable lighting fixtures and finishes add to the farmhouse-inspired character while maintaining a fresh, modern feel.
A pantry and additional storage closet make it easy to keep small appliances and everyday essentials tucked away. Versatile bonus/flex space provides room for a home office, study, playroom, or hobby space, while a main-level bedroom offers additional flexibility as a guest room, playroom, or private office. A convenient mudroom with exterior access from the driveway provides the perfect drop zone for shoes, bags, and everyday belongings.
A main-level powder room completes the first floor. UPPER LEVEL: Spacious landing leads to a primary suite complete with a double vanity, fully tiled walk-in shower, and dual wardrobe closets. Three secondary bedrooms share a full bathroom, while the conveniently located laundry room is positioned near all of the main bedrooms.
OUTDOOR SPACE: Covered patio and deck areas extend the living space and overlook the fully fenced backyard, creating the perfect setting for pets, play, entertaining, or simply enjoying the peaceful surroundings. The level two-acre property offers picturesque views and plenty of usable space to customize the outdoor setting to fit your needs and lifestyle. There's room to park a boat or RV, add a storage building, establish additional outdoor spaces, or even design your own backyard pool retreat!
Nearby schools, historic parks, and scenic trails, with Lake Lanier just a short drive away. Easy access to Highway 20 makes commuting into town simple, while shopping, dining, and minutes from everyday conveniences. Beautifully updated, thoughtfully designed, and surrounded by peaceful acreage, this farmhouse-style home offers the rare combination of modern comfort, timeless character, usable land, and freedom to create the property you've envisioned!
All 56 photos
Description provided by Century 21 Results and reproduced from the MLS; not independently verified.
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.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
Estimated monthly payment
- Principal & interest $4,099/mo 80%
- Taxes $648/mo 13%
- Insurance $401/mo 8%
$5,148/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Forsyth County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Cumming market
How this home is priced against recent nearby sales, and where Cumming has been over 25 years. Momentum Research analysis of Georgia MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 1985BuiltPer public record
- Sep 29, 2026First seen on movewithmomentum.comObserved at $739,990
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $512,250 ($212/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Momentum read
🟡 Asking $303 per square foot, about 43% above the community’s $212 median. Cumming’s 12-month median sold price per square foot is $212. 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 October 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Century 21 Results · MLS # 10851449
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Similar homes for sale near Cumming
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.
Newest listings in Cumming
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- 6530 Brooks Pond Trl · $1,150,000 · 4 bd / 3.5 ba · listed October 16, 2026 (courtesy of Keller Williams North GA Partners)
- 9195 Duran Circle · $1,695,000 · 3 bd / 3.0 ba · listed October 15, 2026 (courtesy of Keller Williams Community Partners)
- 5015 Wright Bridge Road · $1,399,000 · 2 bd / 2.0 ba · listed October 14, 2026 (courtesy of MainStreet Commercial Georgia)
- 5495 Shady Grove Road · $1,099,000 · 4 bd / 4.5 ba · listed October 14, 2026 (courtesy of Coldwell Banker Realty)
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
Assigned schools
Schools currently assigned to this address in Forsyth 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 →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 5425 Howard Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1985 (41 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Forsyth County; age of roof and any prior claims affect the premium.
- Listed living area is 2,442 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,770/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Georgia MLS, checked against the MLS hourly (last: October 19, 2026) |
| Comparable sales | Georgia MLS closed sales within about 3 miles, last 18 months, as of October 19, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| 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
How big is 5425 Howard Road and when was it built?
Per the listing record, 5425 Howard Road was built in 1985 and has 2,442 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5425 Howard Road in?
5425 Howard Road is in Cumming, Forsyth County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5425 Howard Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
How are property taxes on 5425 Howard Road estimated?
The estimate on this page (about $7,770 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.
Is 5425 Howard Road in a flood zone?
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 5425 Howard Road 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
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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.
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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.