2281 Old Highway 16, Jefferson, NC, 28640
About This Home
Luxury meets nature in this extraordinary creekside retreat, where timeless craftsmanship and modern comfort come together in one unforgettable mountain property. Nestled beside over 375 feet of Little Phoenix Creek and bordering nearly 380 acres of permanently protected Nature Conservancy land, this beautifully restored home offers exceptional privacy just five miles from the heart of charming downtown West Jefferson. Originally built with character and redesigned from the ground up, every finish, fixture, and space was intentionally selected to create a home that feels both elevated and effortlessly livable. Offering 3 bedrooms, 3 bathrooms, and a spacious entertainment/game room that adds valuable living space, the home is equally suited for everyday living, hosting family and friends, or welcoming guests. The beautifully appointed kitchen features new appliances, custom cabinetry, and quality finishes throughout, while a custom built entry provides the perfect space for skis, boots, and outdoor gear after a day exploring the High Country. Expansive outdoor living areas invite you to relax, entertain, and enjoy the peaceful sounds of Little Phoenix Creek as it winds through the property. Offered fully furnished (excluding a few personal items), this turnkey home includes all new windows, brand-new electrical and insulation, a new roof installed in 2025, two zoned Wi-Fi capable HVAC systems, a dedicated mini-split for the bonus space, two LED electric fireplace inserts, additional electrical upgrades, and a covered concrete patio beneath the rear deck with exterior lighting installed for the backyard and creek. Whether you're searching for a full time residence, a mountain retreat, or a turnkey short term rental, this exceptional property offers a rare combination of luxury, privacy, natural beauty, and investment potential, and all just minutes from shopping, dining, The Twickenham House, and the small town charm that has made West Jefferson one of North Carolina's most beloved mountain destinations. (184 square feet is not included in overall square footage due to ceiling height.)
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1986
Materials
- Roof: Architectural,Shingle
- Construction materials: Engineered Wood,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Mountain
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Water Heater,Microwave,Refrigerator,Tankless Water Heater
- Laundry features: Washer Hookup,Dryer Hookup,Upper Level
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Features
- Wet Bar,Furnished,Vaulted Ceiling(s),Window Treatments
- Window features: Double Pane Windows,Window Treatments
- Fireplace features: Other,See Remarks
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,368
Heating & Cooling
- Heating features: Electric
- Cooling features: Ductless,Electric,3+ Units,Zoned
Interior Area
- Total structure area: 2,544
- Total interior livable area: 2,368 sqft
Property
Details
- Parcel number: 092979706207
Features
- Levels: Two
- Stories: 2
- Patio & porch: Multiple,Open,Other,See Remarks
- Exterior features: Fire Pit
- Has view: Yes
- View description: Creek/Stream,Seasonal View,Trees/Woods
- Has water view: Yes
- Water view: Creek/Stream
- Waterfront features: Creek,Stream
Lot
- Lot size: 1.20 Acres
Parking
- Parking features: Concrete,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
- Inland Flooding
- Lightning
- Strong Wind
- Ice Storm
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Ashe County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,545 | $54,540 |
| Home Insurance * | $346 | $4,152 |
| Property Taxes | $375 | $4,500 |
| Electricity | $220 | $2,646 |
| Total | $5,486 | $65,832 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-01 | Listed for sale | $899,000 |
| 2024-05-16 | Listing removed | $299,000 |
| 2023-10-05 | Listed for sale | $325,000 |
| 2023-09-22 | Listing removed | -- |
| 2023-09-13 | Listed for sale | $325,000 |
| 2023-09-05 | Listing removed | -- |
| 2023-07-25 | Price change | $330,000 |
| 2023-07-09 | Listed for sale | $340,000 |
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