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660 Halltown Rd, Spruce Pine, NC, 28777

4beds
3baths
2,520sqft
$455,000
$181price/sqft
$2,940/moest. monthly cost
$117,600/yrincome needed

About This Home

Located in one of the most desirable areas of Spruce Pine, NC, this impeccably maintained home offers convenient access to the Blue Ridge Parkway and shopping in Grassy Creek. The property features 4 spacious bedrooms, 3 full bathrooms, and 2 well-appointed kitchens. Additional highlights include beautiful hardwood floors, a back deck perfect for relaxing or entertaining, a storage shed, and meticulously landscaped grounds. The basement includes a two-car garage and a separate apartment, ideal for guests or rental income.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

--
Greenlee PrimaryGrades PK-21.1 mi
1/10
Harris MiddleGrades 6-82.9 mi
8/10
Mayland Early CollegeGrades 9-123.1 mi

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Composition
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Apartment,Basement Garage Door,Exterior Entry,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Finished area below ground: 800
  • Finished area above ground: 1,720

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,720
  • Total interior livable area: 2,520 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 170900034798
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: Multi/Split

Lot

  • Lot size: 0.75 Acres

Parking

  • Total spaces: 2
  • Parking features: Basement,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Mitchell 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 $2,300$27,600
Home Insurance *$158$1,896
Property Taxes $248$2,976
Electricity $234$2,816
Total$2,940$35,280
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,800/yr
40% on housing$88,200/yr
45% on housing$78,400/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 9.2%
9.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 28777$148
Mitchell County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 28777
Mitchell County$231

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
2026-07-14Price change$455,000
2026-03-20Price change$475,000
2025-12-16Price change$485,000
2025-11-10Price change$509,990
2025-10-08Price change$519,900
2025-08-04Price change$529,900
2025-07-01Price change$539,900
2025-05-22Listed for sale$549,900
2021-03-24Listing removed--
2019-07-02Sold$200,000
2019-03-05Price change$212,000
2019-01-28Price change$225,000
2018-04-25Listed for sale$231,000
2016-05-03Listing removed$199,000
2016-03-25Price change$199,000
2016-02-03Listed for sale$209,000
2007-11-26Sold$191,500
2006-09-25Sold$187,500

For Sale by Agent

AgentCasey Dahnke
BrokerageProper Realty LLC

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