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172 Lower Browns Creek Rd, Burnsville, NC, 28714

1beds
1baths
0sqft
$120,000
--price/sqft
$903/moest. monthly cost
$36,120/yrincome needed

About This Home

Tucked away in the heart of Yancey's sought-after South Toe community, this charming small mountain getaway offers the opportunity to create your own peaceful retreat. Situated on 2.05± acres, the property features a creek flowing behind the home, with the acreage extending across the creek into a wooded setting that invites exploration, relaxation, and the sounds of nature. Conveniently located on state-maintained Lower Browns Creek Road, you'll enjoy easy year-round access with just a short drive to Town of Burnsville. Originally built in 1967, this property offers approximately 400 square feet and is ready for its next chapter. A new roof installed in late 2025 provides an excellent start for the next owner, while recent improvements by the current owner include drywall work & fresh paint in portions of home. The home features a covered front porch, living room, kitchen with electric range and refrigerator, one bedroom, a bonus room, and a bathroom that needs to be renovated and awaits completion. An additional room located just off the kitchen serves as the laundry and storage area. (Please use caution when accessing this room during showings, as it is currently being used for storage and has not been renovated.) This property is an excellent opportunity for buyers looking to renovate and customize a mountain retreat, investment property, or vacation getaway. The home will require repairs and updates, including the installation of a permanent heating system. According to the owner, the original propane furnace is no longer in use, the propane tank has been removed, and the existing ductwork requires repair. Owner currently uses a space heater when he visits in the winter. Because there is currently no functioning permanent heat source, the property is not being marketed as having heated square footage. A window air conditioning unit in the living room provides seasonal cooling. Water is supplied by a spring located on the neighboring property, with deeded water rights that will are provided in the MLS documents for buyer review. According to the owner, the septic system is located behind the home. Septic records have been requested from the Yancey County Health Department but have not yet been received. Buyers are strongly encouraged to conduct a septic inspection, along with any other inspections they deem appropriate, to fully evaluate the property. The property is located within a mapped flood plain. According to the owner, Hurricane Helene altered the geography of the creek behind the home; however, to the best of the owner's knowledge, floodwaters did not enter the residence. Buyers are encouraged to perform their own due diligence regarding flood zone designation, flood insurance requirements, and any future improvements they may wish to make. Due to the property's current condition, including the absence of a permanent heating system, cash or renovation financing may be the most appropriate financing options. If you've been searching for an affordable mountain property with a beautiful creek, usable acreage, and the opportunity to bring your own vision to life, 172 Lower Browns Creek Road is ready for its next owner. Property is being sold AS-IS. Buyers are encouraged to perform all inspections and due diligence prior to closing, no septic records on file with Yancey County Health Department.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
8/10
East Yancey MiddleGrades 6-85.2 mi
5/10
Mountain Heritage HighGrades PK,9-128.5 mi

Construction

Condition

  • Year built: 1967

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Vinyl,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator
  • Laundry features: Main Level,Other

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Bonus Room

  • Level: Main

Features

  • Other - See Remarks
  • Flooring: Laminate,Wood,Other
  • Finished area below ground: 0
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Space Heater,None
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 0

Kitchen

  • Level: Main

Living Room

  • Features: Ceiling Fan(s)
  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 075803219143000
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Exterior features: Other - See Remarks
  • On waterfront: Yes
  • Waterfront features: None,Creek,Creek/Stream

Lot

  • Lot size: 2.05 Acres
  • Features: Flood Plain/Bottom Land,Level,Sloped,Wooded,Other - See Remarks

Parking

  • Parking features: Other - See Remarks

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 Yancey 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 $606$7,272
Home Insurance *$39$468
Property Taxes $58$696
Electricity $200$2,405
Total$903$10,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,960/yr
40% on housing$27,090/yr
45% on housing$24,080/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.1%
6.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 28714$264
Yancey County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 28714
Yancey County$221

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)

No zestimate history available

Price History

DateEventPrice
2026-07-15Listed for sale$120,000
2005-08-22Sold$53,000

For Sale by Agent

AgentKirby Troutman
BrokerageCarolina Mountain Realty, Inc.

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