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1280 River Bluff Trl, Tobaccoville, NC, 27050

4beds
7baths
6,703sqft
$1,899,999
$283price/sqft
$11,861/moest. monthly cost
$474,440/yrincome needed

About This Home

Introducing River Bluff Estate, a one-of-a-kind custom masterpiece. Completed in 2003 after four years of artisan construction, this home showcases rare materials and exceptional craftsmanship. The exterior features hand-laid Stratford Rose brick in Flemish bond, Virginia fieldstone, Crab Orchard flagstone, and custom redwood posts and railings by Amish artisan Allen Styres. Rear terraces include two levels of Pennsylvania blue slate decking supported by steel and poured concrete. Inside are extraordinary hardwoods including Black Walnut, Cherry, Oak, and rare Red Elm, with all solid-wood custom doors and millwork by Baird Brothers. Multiple fireplaces highlight the home, including a grand Virginia fieldstone fireplace in the great room. The kitchen offers custom Cherry cabinetry, Galaxy granite, industrial ventilation, and Enkeboll carved wood accents. A custom oak wine cellar, leaded and stained glass, and extensive engineered drainage/foundation systems complete this legacy estate.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

4/10
King ElementaryGrades PK-54.4 mi
9/10
Chestnut Grove MiddleGrades 6-83.6 mi
7/10
West Stokes HighGrades 9-123.4 mi

Construction

Condition

  • Property condition: Interior Condition: Very Good
  • Year built: 2000

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Water Heater,Humidifier,Refrigerator
  • Laundry features: Main Level

Basement

  • Area: 3152

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom

  • Level: Main

Bathroom1

  • Level: Main

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bedroom2

  • Level: Second
  • Area: 220.5

Bedroom3

  • Level: Second
  • Area: 184.2708

Bedroom4

  • Level: Second
  • Area: 264

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 7
  • Full bathrooms: 4
  • 1/2 bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 260.5417

Family Room

  • Level: Main
  • Area: 126.5

Features

  • Ceiling Fan(s)
  • Window features: Insulated Windows
  • Flooring: Wood
  • Fireplace features: Gas Log,Stone,Three or More,See Remarks
  • Fireplace: Yes
  • Finished area below ground: 3,152
  • Finished area above ground: 5,812

Heating & Cooling

  • Heating features: Heat Pump,Propane
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 8,964
  • Total interior livable area: 6,703 sqft

Kitchen

  • Level: Main
  • Area: 347.3889

Living Room

  • Level: Main
  • Area: 227.7778

Master Bedroom

  • Level: Main
  • Area: 442.25

Office

  • Level: Main
  • Area: 224.8889

Property

Details

  • Parcel number: 5972881665
  • Zoning: R-A

Features

  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Horses Allowed,Mature Trees
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: None
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • Waterfront features: None
  • Horses can be raised: Yes

Lot

  • Lot size: 20.90 Acres
  • Features: Cleared,Wooded

Parking

  • Total spaces: 3
  • Parking features: Attached,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Stokes 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 $9,607$115,284
Home Insurance *$727$8,724
Property Taxes $903$10,836
Electricity $624$7,491
Total$11,861$142,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$406,662/yr
40% on housing$355,830/yr
45% on housing$316,293/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$283This listing

vs Other Active Listings

Avg $/sqft

ZIP 27050$104
Stokes County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 27050$167
Stokes County$177

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
2026-05-09Price change$1,899,999
2026-01-06Listed for sale$1,950,000
2026-01-01Listing removed$1,650,000
2025-09-23Price change$1,650,000
2025-08-20Listed for sale$1,800,000
2025-08-17Listing removed$1,800,000
2025-03-20Listed for sale$1,800,000
2025-02-02Listing removed$1,890,000
2024-08-05Listed for sale$1,890,000
2024-01-26Listing removed$1,950,000
2023-08-09Price change$1,950,000
2023-04-03Listed for sale$2,500,000

For Sale by Agent

AgentRonnie Collins
BrokerageKeller Williams Realty Elite

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