Question 1

What is the asking price for 103 SETTLER, Saratoga Springs?

Accepted Answer

103 SETTLER, Saratoga Springs is listed at $600,000 ($161/sqft).  This listing is currently active and available for showings.

Question 2

How many bedrooms and bathrooms does 103 SETTLER, Saratoga Springs have?

Accepted Answer

This Residential features 5 bedrooms, 3 bathrooms, 3,734 square feet of living space. It is a 2-story home. The lot is 0.22 acres.

Question 3

When was 103 SETTLER, Saratoga Springs built?

Accepted Answer

This property was built in 1999, making it 27 years old. Homes from this era often feature solid construction. Buyers should review the condition of the roof, HVAC, and plumbing.

Question 4

What type of property is 103 SETTLER, Saratoga Springs?

Accepted Answer

103 SETTLER, Saratoga Springs is a Residential (Single Family Residence). The architectural style is Rambler/Ranch. It is located in the SARATOGA SPRINGS NO 10 PUD subdivision. Zoning: Single-Family.

Question 5

Does 103 SETTLER, Saratoga Springs have a garage or parking?

Accepted Answer

Yes, this property includes a 2-car garage. Total parking capacity: 2 vehicles. The property also accommodates RV parking.

Question 6

Is there an HOA for 103 SETTLER, Saratoga Springs?

Accepted Answer

Yes, this property is part of a homeowners association. HOA fees are $125. HOA fees typically cover shared amenities, landscaping, and community maintenance.

Question 7

What are the property taxes for 103 SETTLER, Saratoga Springs?

Accepted Answer

Annual property taxes for this property are approximately $2,242 (about $187/month). This represents an effective tax rate of approximately 0.37% of the list price. Property taxes in Utah vary by county and are subject to change.

Question 8

What are the key features of 103 SETTLER, Saratoga Springs?

Accepted Answer

Interior features include: Alarm: Fire, Bar: Dry, Bath: Primary, Bath: Sep. Tub/Shower, Closet: Walk-In. Exterior features include: Bay Box Windows, Deck; Covered, Double Pane Windows, Lighting. The home has 2 fireplaces.   View: Lake,Mountain(s),Valley.

Question 9

Is 103 SETTLER, Saratoga Springs a good deal?

Accepted Answer

Propaired's AI deal analysis classifies this property as a "Great Deal (vs Similar)" with a deal score of 90/100. Key deal signals: Priced 19% below similar homes; 6.3% year-over-year market appreciation; 131% STR gross rent coverage of monthly ownership cost. The price is 19% below similar homes in the area. This analysis considers price relative to comparables, days on market, price reductions, and market conditions.

Question 10

How does this price compare to similar homes in Saratoga Springs?

Accepted Answer

The median price for similar properties in the area is $739,948 (based on 10 homes). At $600,000, this listing is 19% below the median for comparable homes. It ranks #Below Similar among similar listings by value.

Question 11

What would the monthly mortgage payment be for 103 SETTLER, Saratoga Springs?

Accepted Answer

At the current 30-year mortgage rate of 6.43% with 20% down, the estimated monthly principal and interest payment is $3,012. Including estimated taxes and HOA fees, the total monthly cost is approximately $3,324. A 15-year mortgage at 5.79% would be $3,996/month but saves significantly on interest. These are estimates — contact a lender for a personalized quote.

Question 12

How long has 103 SETTLER, Saratoga Springs been on the market?

Accepted Answer

This property has been listed for 0 days. The average days on market in Saratoga Springs is 79 days, meaning this listing is moving faster than the local average. This is a fresh listing — act quickly if interested.

Question 13

Is 103 SETTLER, Saratoga Springs a good investment property?

Accepted Answer

Based on market rental data, this property has an estimated annual rent of $48,391 with a gross rental yield of 8.1%. Net rental yield (after estimated expenses): 5.2%.  Estimated debt service coverage ratio (DSCR): 1.18. Investor score: 69/100. These are estimates based on area comparables.

Question 14

What is the estimated rental income for 103 SETTLER, Saratoga Springs?

Accepted Answer

Based on area comparables, the estimated monthly rent for this property is $4,033 ($48,396/year). The gross rent multiplier is 12.4x (lower is generally better for investors). Actual rental income will depend on property condition, local demand, and management approach.

Question 15

What lifestyle features does 103 SETTLER, Saratoga Springs offer?

Accepted Answer

Propaired's AI has identified 6 lifestyle features for this property: Pool, Trail/Hiking Access, RV-Friendly, Green/Sustainable, Sport Court, Hot Tub/Spa. The primary lifestyle niche is "trailhead_hiking." These tags are derived from MLS data, property features, and location analysis.

Question 16

Does 103 SETTLER, Saratoga Springs have a pool?

Accepted Answer

Yes, this property includes a private pool. A hot tub/spa is also included. Utah summers can reach 100°F+, making a pool a valuable amenity. Consider seasonal maintenance costs of approximately $2,000-$4,000/year for a Utah pool.

Question 17

What recreation is near 103 SETTLER, Saratoga Springs?

Accepted Answer

This property has a recreation score of 74/100. Nearby recreation includes: Flight Park trailhead (1.8 mi); Open Space park (0.1 mi); TalonsCove Golf Course (1.1 mi); Flight Park State Recreation Area (8.2 mi). Skiing: Sundance Resort (17.3 mi). Utah offers world-class outdoor recreation year-round, from skiing to hiking to national parks.

Question 18

Are there hiking trails near 103 SETTLER, Saratoga Springs?

Accepted Answer

Yes, the nearest trailhead is Flight Park, just 1.8 miles from the property. Flight Park State Recreation Area is 8.2 miles away. Utah has over 10,000 miles of hiking trails across its diverse terrain, from desert canyons to alpine meadows.

Question 19

What amenities and services are near 103 SETTLER, Saratoga Springs?

Accepted Answer

This property has an amenity proximity score of 55/100. Nearby services include: Grocery: Walmart Supercenter (4.5 mi); Hospital: Mountain Ridge Healthcare (3.7 mi); Pharmacy: Cedar Valley Pharmacy (3.7 mi); Dining: Little Caesars (5.1 mi). Gas station: 5.1 miles. Gym: Theta Combat Martial Arts (4.8 mi).

Question 20

How far is the nearest hospital from 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest hospital is Mountain Ridge Healthcare, approximately 3.7 miles from the property. The nearest fire station is 3.4 miles away. Proximity to emergency services is an important safety factor for homebuyers.

Question 21

What schools serve 103 SETTLER, Saratoga Springs?

Accepted Answer

Assigned schools: Elementary: Springside; Middle: Lake Mountain; High: Westlake. There are 4 schools within 3 miles of this property. The highest-rated nearby school is Saratoga Shores School with a 64% state performance score (0.4 miles away). School district: Alpine.

Question 22

What high school is near 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest high school is Westlake. View the full school profile on Propaired for test scores, enrollment, and student-to-teacher ratios.

Question 23

What elementary school is near 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest elementary school is Springside (0.4 miles away). State performance score: 64%. District: Alpine District. Propaired provides full school ratings and comparison data for all schools in this area.

Question 24

What middle school is near 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest middle school is Lake Mountain.

Question 25

How good are the schools near 103 SETTLER, Saratoga Springs?

Accepted Answer

Of the 4 schools within 3 miles, 4 have state performance data with an average score of 58%.  School quality is a key factor in home values — properties near top-rated schools typically command a 5-10% premium. Visit each school's detail page on Propaired for full performance breakdowns.

Question 26

What is the internet speed at 103 SETTLER, Saratoga Springs?

Accepted Answer

This property has a broadband score of 100/100 (Excellent). Best available speed: 8000 Mbps download / 8000 Mbps upload. Fiber internet is available at this address. Available providers: AT&T (25 Mbps, Fixed Wireless); Avative Internet (8000 Mbps, Fixed Wireless); Avative Internet (8000 Mbps, Fiber). Total providers: 12.

Question 27

Is 103 SETTLER, Saratoga Springs in a flood zone?

Accepted Answer

This property is classified as low. FEMA flood zone: X (AREA OF MINIMAL FLOOD HAZARD). Flood insurance is not typically required but may be recommended.  Always verify current FEMA maps as they are periodically updated.

Question 28

How does this listing compare to the Saratoga Springs market?

Accepted Answer

103 SETTLER, Saratoga Springs is listed at $600,000, which is above the Saratoga Springs median of $500,000 by $100,000. There are currently 394 active listings in Saratoga Springs. Homes in Saratoga Springs sell in an average of 79 days. The average sale-to-list ratio is 100.0%.

Question 29

What is the Saratoga Springs real estate market like in 2026?

Accepted Answer

In 2026, the median home price in Saratoga Springs is $500,000. There are currently 394 active listings. Homes sell in an average of 79 days. The average sale-to-list ratio is 100.0%. This listing at $600,000 is above the Saratoga Springs 2026 median.

Question 30

Are there other homes for sale in Saratoga Springs?

Accepted Answer

Yes — there are currently 394 active listings in Saratoga Springs. Browse all Saratoga Springs homes for sale at propaired.ai/listings/ut/saratoga-springs. Prices range around a median of $500,000. Homes in Saratoga Springs are selling in about 79 days on average.

Question 31

How does this price compare to the Utah state average?

Accepted Answer

At $600,000, this property is above the Utah state median of $525,000 by $75,000. Saratoga Springs prices are 5% below the state average. Utah's housing market varies significantly by region — front-range cities near SLC are typically more expensive than rural areas.

Question 32

What is the Propaired intelligence score for 103 SETTLER, Saratoga Springs?

Accepted Answer

This property has a Propaired intelligence score of 71/100, combining deal value (90), recreation access (74), amenity proximity (55), broadband quality (100), and lifestyle features (6 tags). This composite score helps buyers quickly identify properties that match their priorities.

Question 33

Does 103 SETTLER, Saratoga Springs have energy-efficient or green features?

Accepted Answer

This property has been tagged as green/sustainable, indicating energy-efficient features. Heating: Forced Air. Cooling: Central Air. Green homes may include solar panels, Energy Star appliances, high-efficiency HVAC, insulated windows, and sustainable building materials. Ask the listing agent for specific energy certifications or efficiency ratings.

Question 34

What heating and cooling systems does 103 SETTLER, Saratoga Springs have?

Accepted Answer

Heating: Forced Air. Cooling: Central Air. Given the age of this home, it may be worth requesting a professional HVAC inspection to assess system efficiency and remaining lifespan. Utah's climate ranges from sub-zero winters to 100°F+ summers, making reliable heating and cooling essential.

Question 35

What type of roof does 103 SETTLER, Saratoga Springs have?

Accepted Answer

The roof material is Asphalt. Asphalt shingles typically last 20-30 years in Utah's climate. With a 27-year-old home, reviewing recent roof inspections is recommended.

Question 36

Does 103 SETTLER, Saratoga Springs have a basement?

Accepted Answer

Yes, the basement is described as: Full. Basements in Utah are common and add versatile living or storage space. Check for any signs of moisture or foundation issues during the home inspection.

Question 37

What is 103 SETTLER, Saratoga Springs constructed from?

Accepted Answer

Construction materials include: Brick,Stucco. Brick construction is durable and low-maintenance, offering excellent insulation and fire resistance.

Question 38

What type of flooring does 103 SETTLER, Saratoga Springs have?

Accepted Answer

Flooring types include: Carpet,Hardwood,Vinyl. Hardwood floors are a premium feature that adds lasting value and can be refinished multiple times.  Carpeted areas provide warmth and comfort, especially in bedrooms. Luxury vinyl/LVP is waterproof, durable, and increasingly popular in Utah homes.

Question 39

What are the water and sewer connections for 103 SETTLER, Saratoga Springs?

Accepted Answer

Water source: Culinary,Irrigation. Sewer: Sewer: Connected,Sewer: Public.  Municipal sewer service means no septic maintenance costs. Water is a critical consideration in Utah's arid climate.

Question 40

What shopping and dining is near 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest restaurant is Little Caesars (5.1 miles away) and the nearest grocery store is Walmart Supercenter (4.5 miles). Coffee: SVEA Scandinavian Kafé on Wheels (4.2 mi). Banking: Goldenwest Credit Union (4.5 mi). Overall amenity proximity score: 55/100.

Question 41

What would homeowner's insurance cost for 103 SETTLER, Saratoga Springs?

Accepted Answer

Homeowner's insurance in Utah typically ranges from 0.3% to 0.5% of the home's value annually. For a home listed at $600,000, expect approximately $1,800-$3,000/year ($150-$250/month).   Get multiple quotes — rates vary significantly by insurer.

Question 42

What are the estimated closing costs for 103 SETTLER, Saratoga Springs?

Accepted Answer

Closing costs in Utah typically range from 2-5% of the purchase price. For a home at $600,000, expect approximately $12,000-$30,000 in closing costs. This includes title insurance, escrow fees, lender fees, recording fees, and prepaid items (insurance, taxes). Buyers should also budget for a home inspection ($300-$500), appraisal ($400-$600), and any lender-required reserves.

Question 43

How does the property tax compare to the list price at 103 SETTLER, Saratoga Springs?

Accepted Answer

The annual property tax of $2,242 represents an effective rate of 0.37% relative to the list price of $600,000. This is below the Utah average effective rate of approximately 0.58%, which is favorable for the buyer. Property taxes in Utah are assessed by the county and can change when the property is sold.

Question 44

What are the total estimated monthly costs for 103 SETTLER, Saratoga Springs?

Accepted Answer

Estimated total monthly housing cost: $3,524. This includes principal & interest ($3,012 at 6.43% with 20% down), property tax ($187/mo), HOA ($125/mo), and estimated insurance (~$200/mo). Actual costs will vary based on your down payment, credit score, and insurance quotes.

Question 45

Is 103 SETTLER, Saratoga Springs eligible for FHA or VA financing?

Accepted Answer

At $600,000, this property may exceed standard FHA loan limits and could require a conventional or jumbo loan. VA loans have no price cap but require VA eligibility.    Consult a mortgage lender for personalized eligibility.

Question 46

What is the estimated cap rate for 103 SETTLER, Saratoga Springs?

Accepted Answer

The estimated cap rate (net rental yield) for this property is 5.2%, based on estimated annual rent of $48,391 and a purchase price of $600,000. A cap rate of 4-6% is typical for residential properties in growing Utah markets.

Question 47

Is Saratoga Springs a good rental market?

Accepted Answer

Estimated monthly rent in Saratoga Springs is approximately $3,883. Homes in Saratoga Springs sell in an average of 79 days, indicating moderate demand in this market. There are 394 active listings currently. Gross rental yield in this area: 8.1%. Utah's steady population growth continues to drive rental demand.

Question 48

Could 103 SETTLER, Saratoga Springs be a 1031 exchange property?

Accepted Answer

Yes, 103 SETTLER, Saratoga Springs could potentially qualify for a 1031 like-kind exchange if used as an investment or business property. A 1031 exchange allows deferral of capital gains taxes by reinvesting proceeds from one investment property into another. Key requirements include identifying a replacement property within 45 days and closing within 180 days. The property must be held for investment purposes — personal residences do not qualify. Consult a qualified intermediary and tax advisor for specific guidance.

Question 49

How does 103 SETTLER, Saratoga Springs compare to recently sold homes nearby?

Accepted Answer

Based on 10 comparable properties, the median sold price in this area is $739,948. This listing is 19% below the comparable median. It ranks Below Similar among similar listings by value. The median for this property type specifically is $669,000. Comparable analysis is based on similar size, age, and location.

Question 50

Is the Saratoga Springs neighborhood appreciating in value?

Accepted Answer

Based on Zillow Home Value Index data, property values in this area have appreciated 6.3% over the past year. The current Zillow Home Value Index for this area is $474,117. This listing is priced at 127% of the ZHVI estimate. Past appreciation is not a guarantee of future performance.

Question 51

What is the price trend in Saratoga Springs?

Accepted Answer

Saratoga Springs's median price has decreased 8.0% month-over-month. Current median: $500,000. Days on market have decreased by 0.2% month-over-month. Homes are selling at 100.0% of list price on average. Monitor these trends to time your offer strategically.

Question 52

Is 103 SETTLER, Saratoga Springs overpriced or underpriced?

Accepted Answer

Propaired's AI classifies this property as "Great Deal (vs Similar)." At 19% below comparable homes, this property appears competitively priced. Deal score: 90/100. Always confirm with a local real estate professional who can provide a comparative market analysis.

Question 53

What school district is 103 SETTLER, Saratoga Springs in?

Accepted Answer

This property is in the Alpine school district. Assigned elementary: Springside. Assigned middle: Lake Mountain. Assigned high: Westlake. School district boundaries can affect property values by 5-15%. Contact the district directly to confirm current enrollment boundaries, as they may change.

Question 54

How do nearby schools rank statewide?

Accepted Answer

Of the 4 nearby schools with state rankings, the highest-ranked is Saratoga Shores School at #161 statewide (64% performance score). Other ranked nearby schools include Lakeview Academy (#186) and Springside School (#199). Utah has approximately 1,000+ public schools, so a top-200 ranking indicates a strong-performing school.

Question 55

What parks are near 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest local park is Open Space (0.1 miles away). The nearest state park is Flight Park State Recreation Area (8.2 miles).  Parks and green spaces contribute to quality of life and are a positive factor for property values.

Question 56

Is there a golf course near 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest golf course is TalonsCove Golf Course, 1.1 miles from the property. Utah has over 80 golf courses statewide with a season running from March through November in most areas. Close proximity to a golf course is a desirable feature that can enhance property value.

Question 57

What water activities are near 103 SETTLER, Saratoga Springs?

Accepted Answer

Water recreation near this property includes: Utah Lake (10.9 mi); boat ramp at Saratoga Springs (0.9 mi).  Utah offers diverse water recreation from mountain reservoirs to desert lakes. Popular activities include boating, kayaking, paddle boarding, and fishing — a Utah fishing license is required for anglers.

Question 58

Is 103 SETTLER, Saratoga Springs move-in ready?

Accepted Answer

Property condition is listed as: Blt./Standing.

Question 59

What updates might 103 SETTLER, Saratoga Springs need?

Accepted Answer

At 27 years old, common updates to consider include: roof replacement (if original), HVAC system update, water heater replacement. Current roof: Asphalt. Current heating: Forced Air. These are general guidelines based on typical component lifespans — the actual condition depends on maintenance history. Always get a professional inspection and ask the seller for maintenance records and any recent upgrades.

Question 60

Does 103 SETTLER, Saratoga Springs come with a home warranty?

Accepted Answer

No home warranty is currently included with this property. Buyers can request a home warranty as part of the purchase negotiation — they typically cost $400-$700/year and cover major systems and appliances. This is especially valuable for older homes.

Question 61

What is the lot like at 103 SETTLER, Saratoga Springs?

Accepted Answer

The lot is 0.22 acres. Lot features: Corner Lot,Curb & Gutter,Fenced: Full,Road: Paved,Sidewalks,Sprinkler: Auto-Full,View: Lake,View: Mountain,View: Valley,Drip Irrigation: Auto-Full,View: Water. Terrain: Corner Lot, Curb & Gutter, Fenced: Full, Road: Paved, Sidewalks, Sprinkler: Auto-Full, Terrain, Flat, View: Lake, View: Mountain, View: Valley, Drip Irrigation: Auto-Full, View: Water. Views: Lake,Mountain(s),Valley.  Lot characteristics affect usability, privacy, and future improvement potential.

Question 62

What utilities are available at 103 SETTLER, Saratoga Springs?

Accepted Answer

Available utilities include: Natural Gas Connected,Electricity Connected,Sewer Connected,Sewer: Public,Water Connected. Water source: Culinary,Irrigation. Sewer: Sewer: Connected,Sewer: Public. Utility costs in Utah vary by season — expect higher heating bills in winter and cooling costs in summer. Contact local utility providers for average monthly cost estimates for this address.

Question 63

Does 103 SETTLER, Saratoga Springs have solar panels?

Accepted Answer

While this property is tagged as green/sustainable, solar panel details are not explicitly listed. Utah is an excellent state for solar energy with 222+ sunny days per year. Adding solar panels in Utah may qualify for federal tax credits and local incentives. Contact the listing agent for details on any existing energy-efficient systems.

Question 64

Is there EV charging near 103 SETTLER, Saratoga Springs?

Accepted Answer

The nearest EV charging station is ChargePoint Charging Station, approximately 3.6 miles from the property. With a 2-car garage, installing a home Level 2 EV charger is straightforward — most installations cost $500-$2,000 including the charger. Utah offers a growing EV charging network along major corridors and in urban centers. Convenient public charging is available nearby for supplemental needs.

103 SETTLER, Saratoga Springs, UT 84045

103 E SETTLER RD, Saratoga Springs, UT 84045

About This Property

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Recreation NearbyScore: 74/100

Amenities NearbyScore: 55/100

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