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86 Jack Sullins Rd, Spruce Pine, NC, 28777

5beds
4baths
3,130sqft
$415,000
$133price/sqft
$2,759/moest. monthly cost
$110,360/yrincome needed

About This Home

Nice 3-bedroom, 2 and 1/2 bath brick ranch style home with attached garage. This home is sitting on 1.73 acres and has an additional home on the property which can be for rental property or other family members. No restrictions on this property and it sits just outside the city limits. The main home has to many updates to list but to name a few, beautiful hardwood floors in the kitchen and family and living room area. Many updates to kitchen including a gas range, the fireplace has gas logs new in December of 2025. New windows through out the house. There is a full size basement with garage door and walk out entrance/exit it is also heated and cooled and has a half bath. The house has private well with new pump in 2024 and it has city sewer. The smaller house has a private well with a new well pump in 2025 and has a private septic. This house needs to be updated but can be a nice second home.

Getting Around

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

Schools

--
Greenlee PrimaryGrades PK-23.3 mi
1/10
Harris MiddleGrades 6-81.5 mi
8/10
Mayland Early CollegeGrades 9-123.2 mi

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Metal
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Gas Range
  • Laundry features: Electric Dryer Hookup,In Garage,Main Level,Washer Hookup

Basement

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

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Total Primary Heated Living Area: 2010
  • Finished area below ground: 0
  • Finished area above ground: 2,010

Heating & Cooling

  • Heating features: Central,Forced Air,Oil,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,010
  • Total interior livable area: 3,130 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 089009071217
  • Zoning: none
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck
  • Fencing: Fenced

Lot

  • Lot size: 1.73 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 $2,098$25,176
Home Insurance *$144$1,728
Property Taxes $226$2,712
Electricity $291$3,498
Total$2,759$33,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,594/yr
40% on housing$82,770/yr
45% on housing$73,573/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

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 28777$151
Mitchell County$182

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
2026-07-27Price change$415,000
2026-06-24Listed for sale$429,000
2025-12-31Listing removed--
2025-10-03Price change$495,000
2025-08-31Price change$505,000
2025-08-07Listed for sale$515,000
2021-03-24Listing removed--
2021-02-23Sold$215,000
2020-06-06Listing removed$185,000
2020-06-02Listed for sale$185,000
2019-09-06Listing removed$1,100
2019-08-29Listed for rent$1,100
2019-01-01Listing removed$165,000
2018-09-28Price change$165,000
2018-07-19Listed for sale$175,000
2013-09-14Sold$155,000
2013-08-01Listed for sale$160,000
2005-04-18Sold$185,000

For Sale by Agent

AgentRebecca Teague
BrokerageTree House Mountain Realty,Inc

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