102 Phillips Rd, Spruce Pine, NC, 28777
About This Home
Updated, move in ready house located at 102 Phillips Road in Spruce Pine, NC. Enjoy the inground pool and extra storage space offered by a space offered by an 16 x 16 two-story outbuilding. Although part of the house was built in 1962 a major structural renovation took place in 1995. Bathrooms and kitchens were recently upgraded. This property is convenient to town and is in a quiet, friendly neighborhood.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1962
Materials
- Foundation: Crawl Space
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Ice Maker,Microwave,Refrigerator,Self Cleaning Oven
- Laundry features: Inside
Bathroom Full
- Level: Main
- Dimensions: 8' 0" X 0' 0"
Bathroom Full
- Level: Main
- Dimensions: 8' 0" X 0' 0"
Bedroom S
- Level: Main
- Dimensions: 17' 0" X 0' 0"
Bedroom S
- Level: Main
- Dimensions: 10' 0" X 0' 0"
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 4
Den
- Level: Main
- Dimensions: 15' 0" X 0' 0"
Dining Area
- Level: Main
- Dimensions: 8' 0" X 0' 0"
Features
- Finished area below ground: 0
- Finished area above ground: 1,580
Heating & Cooling
- Heating features: Forced Air,Heat Pump,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,580
- Total interior livable area: 1,580 sqft
Living Room
- Level: Main
- Dimensions: 17' 0" X 0' 0"
Primary Bedroom
- Level: Main
- Dimensions: 15' 0" X 0' 0"
Property
Details
- Parcel number: 180001357921
- Zoning: RES
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: In Ground
- Waterfront features: None
Lot
- Lot size: 0.60 Acres
Parking
- Total spaces: 2
- Parking features: Driveway,Attached Garage
- 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
- Cold Wave
- Inland Flooding
- Ice Storm
- Strong Wind
- Landslide
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Mitchell 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 | $1,870 | $22,440 |
| Home Insurance * | $129 | $1,548 |
| Property Taxes | $201 | $2,412 |
| Electricity | $200 | $2,405 |
| Total | $2,400 | $28,800 |
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 |
|---|---|---|
| 2026-08-05 | Price change | $359,900 |
| 2026-07-16 | Price change | $369,900 |
| 2026-06-11 | Price change | $374,900 |
| 2026-06-05 | Listed for sale | $389,000 |
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