See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

33 Cammies Way, Old Fort, NC, 28762

4beds
4baths
1,945sqft
$579,000
$298price/sqft
$3,693/moest. monthly cost
$147,720/yrincome needed

About This Home

Imagine waking up to mountain light pouring through a two-story wall of windows, coffee in hand on your private deck, with over 3,000 acres of trails, ponds, and waterfalls just beyond your door. This custom cedar-sided home isn't just move-in ready — it's an opportunity to build a legacy. Step inside to a bright, open living room anchored by a fireplace with an efficient woodstove insert, perfect for cozy mountain evenings. The updated kitchen is a chef's dream: custom cabinetry, leathered granite countertops, a gas range, and stainless appliances that make entertaining effortless. The main-floor primary suite offers a peaceful retreat with a walk-in shower, while three additional bedrooms and a full bath upstairs give everyone their own space. And then there's the basement — a blank canvas with its own private entrance, ready to become a rec room, home office, or income-producing apartment. The possibilities are yours to shape. This isn't just a home — it's a legacy property. With multiple individually deeded home sites, it's ideal for a family compound, a private retreat, or a smart investment (short-term rentals are welcome here). Set on a level, scenic yard with an attached 2-car garage, you'll have all the space you need, with room to expand. Beyond your gate, the Gateway community offers exclusive access to ponds, walking trails, waterfalls, and picnic areas — all just steps from a 12,000-acre conservancy on its way to becoming protected state forest. Down the road, charming Old Fort serves up music jams, fishing, biking, and small-town warmth, all with easy access to I-40 for quick trips into town or beyond. Privacy, community, and endless potential — this mountain gem has it all. Come see it before someone else calls it home.

Getting Around

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

Schools

7/10
2/10
McDowell High SchoolGrades 9-1213.7 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Stone
  • Roof: Composition
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Arts and Crafts
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Walk-Out Access,Other

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bathroom Half

  • Level: Basement

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,945

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,945
  • Total interior livable area: 1,945 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Basement

Other

  • Level: Main

Other

  • Level: Basement

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Basement

Property

Details

  • Parcel number: 065600540810
  • Zoning: RUR-HMST
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: One and One Half
  • Stories: 1
  • Waterfront features: Creek/Stream

Lot

  • Lot size: 6.50 Acres
  • Features: Cleared,Paved,Private,Wooded,Views

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Drought
Hail
Inland Flooding
Landslide
Strong Wind
Tornado

FEMA Declared Disasters in McDowell County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter 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 $2,927$35,124
Home Insurance *$237$2,844
Property Taxes $329$3,948
Electricity $200$2,405
Total$3,693$44,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,617/yr
40% on housing$110,790/yr
45% on housing$98,480/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$298This listing

vs Other Active Listings

Avg $/sqft

ZIP 28762$425
McDowell County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 28762$237
McDowell County$232

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
2026-07-27Price change$579,000
2026-07-03Listed for sale$584,500
2026-01-01Listing removed$660,000
2025-11-24Price change$660,000
2025-09-25Price change$675,000
2025-07-30Price change$699,000
2025-06-26Price change$710,000
2025-03-07Listed for sale$725,000
2016-01-22Sold$300,000
2015-10-15Pending sale$314,000
2015-06-17Price change$314,000
2015-05-27Listed for sale$324,000
2014-11-02Listing removed$324,400
2014-09-29Listed for sale$324,400

For Sale by Agent

AgentJeannie Conner
BrokerageGreybeard Realty Old Fort Office

Similar Homes