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1424 Bear Creek Road, Bakersville, NC, 28705

3beds
1baths
1,300sqft
$280,000
$215price/sqft
$1,878/moest. monthly cost
$75,120/yrincome needed

About This Home

Enjoy the best of peaceful, rural life without sacrificing convenience. This beautiful 1.75+/- acre property is ideally located just 10 minutes from both Spruce Pine & Bakersville, offering a balanced lifestyle with room to spread out. Bakersville hosts the annual NC Rhododendron Festival, celebrating the world’s largest natural rhododendron gardens on nearby Roan Mtn! The land is mostly level & unrestricted, giving you freedom to raise animals, plant a garden, or simply enjoy the space. Built in 1958, the home features a classic layout with a warm, lived-in feel. Recent updates include a new metal roof (set for completion in the coming weeks), a detached carport, & restored hardwood floors in the living room. The back porch was enclosed to create a bonus room off the den—great for a reading nook or hobby space. Just an hour from both Asheville & Johnson City, this property offers a rare mix of rural charm & regional access. Don’t miss out—properties like this don’t come around often!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

3/10
Gouge ElementaryGrades K-43.9 mi
5/10
Bowman MiddleGrades 5-83.9 mi
3/10
Mitchell HighGrades 9-121.1 mi

Construction

Condition

  • Year built: 1958

Materials

  • Foundation: Basement
  • Roof: Other,See Remarks
  • Construction materials: Brick,Masonry,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Fireplace features: Wood Burning,Insert,Wood BurningStove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,300

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: None,Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,100
  • Total interior livable area: 1,300 sqft

Property

Details

  • Parcel number: 088200249577

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Storage

Lot

  • Lot size: 1.75 Acres

Parking

  • Parking features: Asphalt,Carport,Driveway
  • Has uncovered spaces: Yes
  • Carport: 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 $1,415$16,980
Home Insurance *$104$1,248
Property Taxes $159$1,908
Electricity $200$2,405
Total$1,878$22,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,388/yr
40% on housing$56,340/yr
45% on housing$50,080/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

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 28705$203
Mitchell County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 28705
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
2025-12-08Price change$288,000
2025-09-11Price change$289,000
2025-07-15Price change$290,000
2025-06-23Listed for sale$295,000
2021-11-05Sold$175,000
2021-03-24Listing removed--
2019-01-26Listing removed$130,000
2019-01-24Listed for sale$130,000

For Sale by Agent

AgentHannah McCormick
BrokerageFoxfire Real Estate LLC

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