See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

89 Walnut St, Waynesville, NC, 28786

4beds
2baths
2,055sqft
$585,500
$285price/sqft
$3,653/moest. monthly cost
$146,120/yrincome needed

About This Home

Charming historic home located just steps from downtown Waynesville and Main Street. This unique property offers the perfect blend of character, convenience, and flexibility, all within walking distance to Main Street shops, restaurants, and local amenities. The home features a spacious layout with multiple rooms that can serve as bedrooms, offices, or flex spaces, along with a kitchen, common living areas, and bathrooms. There are two half baths as the current usage is as an office. The upstairs bathroom has existing plumbing for a tub and/or shower. High ceilings, original details, and abundant natural light create a warm and inviting atmosphere throughout. Situated along Walnut Street, the property offers excellent accessibility and visibility while still maintaining a residential feel. Ideal for a primary residence, live/work opportunity, or those seeking a home within close proximity to downtown Waynesville. Rare opportunity to own a versatile property in one of Waynesville’s most desirable and walkable locations.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

8/10
Hazelwood ElementaryGrades PK-52.0 mi
4/10
Waynesville MiddleGrades 6-80.9 mi
7/10
Tuscola HighGrades 9-122.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom Half

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Features

  • Door features: French Doors,Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Linoleum,Tile,Wood
  • Fireplace features: Family Room
  • Finished area below ground: 0
  • Finished area above ground: 2,055

Heating & Cooling

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

Interior Area

  • Total structure area: 2,055
  • Total interior livable area: 2,055 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 8615389892
  • Zoning: MXO
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch

Lot

  • Lot size: 0.12 Acres

Parking

  • Parking features: Driveway,On Street,Parking Space(s)
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Haywood 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 $2,960$35,520
Home Insurance *$224$2,688
Property Taxes $269$3,228
Electricity $200$2,405
Total$3,653$43,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,245/yr
40% on housing$109,590/yr
45% on housing$97,413/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 28786$218
Haywood County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 28786$230
Haywood County$246

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
2026-05-12Price change$585,500
2026-04-03Listed for sale$595,500
2014-03-28Sold$295,000
2014-02-10Sold$1,300
2007-06-21Sold$390,000

For Sale by Agent

AgentRon Breese
BrokerageKeller Williams Great Smokies

Similar Homes