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608 Ray Ave, Hendersonville, NC, 28792

1beds
1baths
384sqft
$295,000
$768price/sqft
$1,902/moest. monthly cost
$76,080/yrincome needed

About This Home

Experience mountain charm and walkable living in this delightful studio-style cottage just steps from downtown Hendersonville! This fully furnished home offers a smart and efficient layout with modern touches throughout, including a kitchenette with stainless steel appliances, a flat-screen TV, and a convenient workspace nook—perfect for guests or remote stays. Relax on the covered front porch overlooking a charming white picket fence and enjoy the peaceful setting. Ideal as a short-term rental or personal retreat, this property boasts a proven rental history with approximately $21,000 in income in 2025, making it a strong investment opportunity. Enjoy the best of both worlds—stroll to downtown Hendersonville for dining, shopping, and entertainment, or take a quick drive to the Blue Ridge Mountains, the Blue Ridge Parkway, and Pisgah National Forest for endless outdoor recreation including hiking, biking, and waterfall exploration. Don’t miss your chance to own a turnkey mountain getaway with income potential in one of Western North Carolina’s most desirable locations!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

8/10
Bruce Drysdale ElementaryGrades PK-50.3 mi
4/10
Hendersonville MiddleGrades 6-80.7 mi
8/10
Hendersonville HighGrades 9-120.4 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Apartment

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Electric Oven,Electric Water Heater,Microwave,Washer
  • Laundry features: Main Level

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 384

Heating & Cooling

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

Interior Area

  • Total structure area: 384
  • Total interior livable area: 384 sqft

Kitchen

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

Primary Bedroom

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

Property

Details

  • Parcel number: 105858
  • Zoning: R-6
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Fencing: Fenced
  • Waterfront features: None

Lot

  • Lot size: 0.12 Acres
  • Features: Cleared,Corner Lot,Paved

Parking

  • Parking features: Driveway
  • 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
  • Ice Storm
    Ice StormRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Earthquake
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Henderson 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 $1,491$17,892
Home Insurance *$91$1,092
Property Taxes $120$1,440
Electricity $200$2,405
Total$1,902$22,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,211/yr
40% on housing$57,060/yr
45% on housing$50,720/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.3%
5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$768This listing

vs Other Active Listings

Avg $/sqft

ZIP 28792$196
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28792$217
Henderson County$254

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
2026-04-24Listed for sale$295,000
2023-06-09Listing removed--
2023-06-07Listed for rent$1,750

For Sale by Agent

AgentAlice Lance
BrokerageBluAxis Realty

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