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521 Duchess Dr, Sylva, NC, 28779

1beds
1baths
420sqft
$549,900
$1,309price/sqft
$3,330/moest. monthly cost
$133,200/yrincome needed

About This Home

A property that offers what buyers search years to find: usable mountain land, privacy, views, and infrastructure already complete. Tucked at the end of a quiet road just minutes from U.S. Route 441, this remarkable 4.77-acre property unfolds into three large, flat, dividable mountain parcels — an uncommon find in Western North Carolina, especially with infrastructure already in place. Here, mornings begin with layered mountain light, evenings end under extraordinary star-filled skies, and every part of the land invites a different vision: a private retreat, a compound, additional homes, or an investment with rare built-in readiness. A thoughtfully designed tiny home anchors the property, featuring a first-floor office/flex space, loft sleeping area, and matching custom storage shed — all positioned to take in the surrounding views. Native oak, poplar, pine, azalea, rhododendron, and dogwood frame the property naturally, creating beauty in every season. What makes this property especially compelling is that so much of the groundwork is already complete: • Private well • Underground electric • Three installed septic systems • High-speed internet via Starlink • Partially paved driveway • Quick easy access off 441 Each parcel offers beautiful views and usable terrain — increasingly rare in mountain settings where steep land often limits possibilities. Private and peaceful, yet only minutes from the conveniences of town and close to Great Smoky Mountains National Park, this is the kind of property buyers remember long after they leave. Some properties are simply land. This one invites a future.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Fairview ElementaryGrades PK-83.9 mi
7/10
Jackson Co Early CollegeGrades 9-123.2 mi
5/10
Smoky Mountain HighGrades 9-123.6 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: None
  • Roof: Metal
  • Construction materials: Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Modular

Interior

Appliances

  • Appliances included: Other
  • Laundry features: In Bathroom

Basement

  • Basement: Other

Bedrooms & Bathrooms

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

Features

  • Other - See Remarks
  • Finished area below ground: 0
  • Finished area above ground: 420

Heating & Cooling

  • Heating features: Ductless,Electric
  • Cooling features: Ductless,Electric

Interior Area

  • Total structure area: 420
  • Total interior livable area: 420 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 7620956781
  • Zoning: R-1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 4.77 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
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Jackson 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 $2,780$33,360
Home Insurance *$193$2,316
Property Taxes $157$1,884
Electricity $200$2,405
Total$3,330$39,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,171/yr
40% on housing$99,900/yr
45% on housing$88,800/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,309This listing

vs Other Active Listings

Avg $/sqft

ZIP 28779$267
Jackson County$443

vs Homes Sold Last Month

Median $/sqft

ZIP 28779$209
Jackson County$377

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
2026-05-01Listed for sale$549,900
2026-02-07Listing removed--
2025-10-02Listed for sale$549,900
2025-04-30Listing removed$636,000
2024-12-19Listed for sale$636,000
2022-03-09Sold$85,000
2021-08-01Listing removed--
2021-03-09Price change$114,500
2021-01-27Price change$119,000
2020-12-19Listed for sale$130,000

For Sale by Agent

AgentAndrea Ochoa
BrokerageCollective Realty LLC

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