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355 Up The Creek Trl, Hayesville, NC, 28904

2beds
2baths
0sqft
$489,900
--price/sqft
$3,067/moest. monthly cost
$122,680/yrincome needed

About This Home

Come visit May 9th Open House from 11am-130pm. Refreshments provided. Turn-Key Mountain Retreat with Breathtaking Long-Range Views | 3 Acres Welcome to 355 Up The Creek Trail, Hayesville, NC—a beautifully furnished mountain escape offering spectacular long-range views, peaceful privacy, and unbeatable convenience. Ideally located just minutes from Murphy, Hiawassee, Brasstown, and Blairsville, you can enjoy the serenity of the mountains while still being within 15 minutes of town. This charming 2 bedroom, 2 bathroom home sits on 3 private acres and is truly turn-key ready—perfect for full-time living, a second home, or a short-term rental investment. Step inside to an inviting open-concept layout featuring warm wood finishes, vaulted ceilings, and abundant natural light. The cozy living area with a stone fireplace flows seamlessly into the kitchen, creating a welcoming space for gathering and entertaining. Take in the beauty of the outdoors from the spacious deck, where you'll enjoy breathtaking mountain views in every season. Whether it's morning coffee at sunrise or relaxing evenings under the stars, this home was designed to embrace the surrounding landscape. Outside, the new paved driveway provides easy access, along with ample parking and a covered carport. The property offers the perfect balance of usability and natural beauty, giving you both privacy and room to enjoy the outdoors. If you've been searching for a home that offers privacy, stunning views, and close proximity to multiple mountain towns, this is it. When you want privacy, spectacular views, and convenience—look no further.

Getting Around

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

Schools

7/10
Hayesville ElementaryGrades 3-51.8 mi
3/10
Hayesville MiddleGrades 6-81.8 mi
5/10
Hayesville HighGrades 9-121.8 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1994

Materials

  • Foundation: Other
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Chalet
  • Property subType: Residential,Cabin

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Other

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Flooring: Hardwood,Tile
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 555100310710
  • Zoning description: Single Family

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Screened
  • Has view: Yes
  • View description: Excellent View,Mountain(s)

Lot

  • Lot size: 3.12 Acres
  • Features: 3-5 Acres

Parking

  • Parking features: Concrete,Other Carport
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Hail
Ice Storm
Landslide
Wildfire

FEMA Declared Disasters in Clay 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 $2,477$29,724
Home Insurance *$203$2,436
Property Taxes $187$2,244
Electricity $200$2,405
Total$3,067$36,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,154/yr
40% on housing$92,010/yr
45% on housing$81,786/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
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 28904$209
Clay County$371

vs Homes Sold Last Month

Median $/sqft

ZIP 28904
Clay County$184

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
2026-03-20Listed for sale$499,900
2025-10-10Sold$410,000
2025-09-15Pending sale$450,000
2025-03-27Listed for sale$450,000
2024-09-05Listing removed--
2024-08-31Listed for sale$489,000
2023-11-27Sold$374,000
2023-11-11Pending sale$379,900
2023-11-02Listed for sale$379,900
2023-11-02Listing removed--
2023-08-23Price change$370,000
2023-07-14Price change$380,000
2023-04-17Listed for sale$385,000
2010-10-22Sold$120,000

For Sale by Agent

AgentElizabeth Yeoman
BrokerageEXIT Realty Mtn View Prop.

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