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181 Lyman Ln, Rosman, NC, 28772

1beds
1baths
0sqft
$100,000
--price/sqft
$784/moest. monthly cost
$31,360/yrincome needed

About This Home

Welcome to 181 Lyman Lane in Rosman, NC! Situated on approximately an acre of unrestricted land, this property offers an excellent opportunity for investors, DIY enthusiasts, or buyers looking to create their own vision in the heart of Western North Carolina. The home is in need of repairs and updates, but the groundwork has been established, providing a solid starting point for your next project. A private well is already in place, and the unrestricted acreage offers flexibility for a variety of future uses. Conveniently located just minutes from the area's renowned waterfalls, hiking trails, and the scenic French Broad River, you'll enjoy easy access to some of the best fishing, kayaking, and outdoor recreation Western North Carolina has to offer. Whether you're searching for a primary residence, rental investment, or weekend retreat, this property is ready for someone to bring it back to life. If you've been looking for an affordable fixer-upper with potential, this is your chance to make it your own. Being sold as-is. By appointment only no drive-bys.

Getting Around

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

Schools

6/10
Rosman ElementaryGrades PK-51.5 mi
8/10
Rosman MiddleGrades 6-81.5 mi
7/10
Rosman HighGrades 9-121.6 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Oven,Refrigerator
  • Laundry features: None

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: None
  • Cooling features: Ceiling Fan(s),None

Interior Area

  • Total structure area: 0

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 8552613203000
  • Zoning: None
  • Special condition: Estate

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 0.93 Acres

Parking

  • Parking features: Driveway
  • Has uncovered spaces: 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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Transylvania County and North Carolina

Fire
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 $505$6,060
Home Insurance *$41$492
Property Taxes $38$456
Electricity $200$2,405
Total$784$9,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,880/yr
40% on housing$23,520/yr
45% on housing$20,906/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 28772$322
Transylvania County$350

vs Homes Sold Last Month

Median $/sqft

ZIP 28772$220
Transylvania County$291

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)

No zestimate history available

Price History

DateEventPrice
2026-07-16Listed for sale$100,000
1994-02-01Sold$14,000

For Sale by Agent

AgentSophia Reid
BrokeragePetit Properties Inc

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