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1030 High Valley Overlook, Banner Elk, NC, 28604

6beds
7baths
2,886sqft
$2,290,000
$793price/sqft
$13,167/moest. monthly cost
$526,680/yrincome needed

About This Home

Welcome to Mountain Time Lodge, a luxurious mountain retreat located in the highly sought-after Lodges at Eagles Nest. Nestled within The Farms at Eagles Nest, this exceptional property sits on nearly six acres in a quiet section of the community and offers beautiful long-range mountain views, with the rear of the home facing south to capture both sunrise and sunset exposures. Designed to accommodate large families and groups with ease, the home features six spacious en-suite bedrooms, including two king suites on the main level. The stunning primary suite offers a spa-like bathroom with a soaking tub and beautifully tiled shower. At the heart of the home is a large chef’s kitchen appointed with beautiful Café appliances, granite countertops, a generous island, and designer finishes throughout. The open-concept great room seamlessly connects the kitchen, dining area, and inviting living space, creating an ideal setting for gathering and entertaining. Upstairs, two separate wings provide additional privacy with well-appointed guest suites, while the loft offers a comfortable recreation and gathering space with a TV, pool table, and foosball. Outdoor living is equally impressive, with an expanded deck, fireplace, rocking chair porch, fire pit area, and hot tub—all positioned to enjoy the surrounding mountain scenery and peaceful natural setting. Recent updates include a new roof and gas water heater, both installed in 2023, offering added peace of mind. Additional features include a generator, ample parking, and a nearly six-acre homesite offering excellent privacy. Sold fully furnished and ready to enjoy, Mountain Time Lodge is conveniently located just minutes from Eagles Nest amenities including the North Pavilion, Fitness Lodge, Sportsman’s Lodge, and Eagles Nest Winery, as well as area ski slopes, hiking and biking trails, and premier golf courses. This property truly captures the best of Blue Ridge Mountain living.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
5/10
Cranberry Middle SchoolGrades 6-85.7 mi
3/10
Avery County High SchoolGrades 9-1210.4 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Architectural,Shingle
  • Construction materials: Wood Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Gas Range,Gas Water Heater,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1

Features

  • Furnished,Hot Tub/Spa,Skylights,Vaulted Ceiling(s)
  • Window features: Skylight(s)
  • Fireplace features: Gas,Vented
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,886

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 2,886
  • Total interior livable area: 2,886 sqft

Property

Details

  • Parcel number: 19411700684900000
  • Zoning description: Residential
  • Horse amenities: Horses Allowed

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered
  • Exterior features: Gravel Driveway
  • Has spa: Yes
  • Spa features: Hot Tub
  • Has view: Yes
  • View description: Long Range,Mountain(s),Southern Exposure
  • Waterfront features: Pond

Lot

  • Lot size: 5.79 Acres

Parking

  • Parking features: Driveway,Gravel,Private
  • 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
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Avery 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 $11,579$138,948
Home Insurance *$614$7,368
Property Taxes $706$8,472
Electricity $268$3,225
Total$13,167$158,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$451,440/yr
40% on housing$395,010/yr
45% on housing$351,120/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$793This listing

vs Other Active Listings

Avg $/sqft

ZIP 28604$289
Avery County$281

vs Homes Sold Last Month

Median $/sqft

ZIP 28604$365
Avery County$290

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
2026-06-15Listed for sale$2,290,000
2025-11-14Listing removed$2,349,000
2025-05-13Listed for sale$2,349,000
2025-04-10Listing removed$2,349,000
2024-10-14Listed for sale$2,349,000
2024-08-29Listing removed$2,480,000
2023-12-15Listed for sale$2,480,000

For Sale by Agent

AgentMelissa Hilton
BrokerageIVESTER JACKSON HIGH COUNTRY LLC

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