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95 Lake Club Ln #9, Nebo, NC, 28761

4beds
3baths
2,541sqft
$899,000
$354price/sqft
$5,411/moest. monthly cost
$216,440/yrincome needed

About This Home

BEAUTIFUL 4 BEDROOM HOME WITH SPECTACULAR GOLF COURSE AND LAKE VIEW FOR LESS THAN A MILLION DOLLARS!! UNHEARD OF! Welcome to your dream home!This stunning 4-bedroom,2.5-bath residence boasts breathtaking views of golf course and serene lake.Since 2017this home has undergone many updates,including new roof,completely remodeled main bath & 1/2 bath, and fresh carpet/tile throughout in addition to the beautiful hardwoods. The den/kitchen/breakfast area has gas fireplace for those chilly evenings.Enjoy cooking with all-new appliances in the completely redone kitchen,relax on the expansive covered back deck-perfect for entertaining or simply enjoying the surroundings.The main bedroom features a private deck, providing a personal retreat to unwind.Sit on the front deck and be mesmerized by gorgeous sunsets over the lake.The living room with two story ceiling hgt boasts huge windows that invite natural light & connect you to the golf course view.This home is a true gem.Don't miss this opportunity to own a piece of paradise! Home is hooked to newly installed city water.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
Nebo Elementary SchoolGrades PK-51.7 mi
10/10
McDowell Early CollegeGrades 9-126.1 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Crawl Space
  • Construction materials: Stone,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Cooktop,Electric Oven,Ice Maker,Microwave,Refrigerator,Wall Oven,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Soaking Tub,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s)
  • Door features: French Doors,Sliding Doors
  • Window features: Skylight(s),Window Treatments
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Den,Gas Log
  • Finished area below ground: 0
  • Finished area above ground: 2,541

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 2,541
  • Total interior livable area: 2,541 sqft

Living Room

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

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: 173300645206
  • Zoning: none
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Balcony,Covered,Deck,Front Porch,Wrap Around
  • Has view: Yes
  • View description: Golf Course,Long Range,Mountain(s),Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Boat Slip – Community,Other - See Remarks
  • Waterbody name: Lake James

Lot

  • Lot size: 0.45 Acres
  • Features: Level,On Golf Course,Wooded,Other - See Remarks
  • Lot size dimensions: 100 x 230 x 90 x 190

Parking

  • Total spaces: 10
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 8

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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in McDowell 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 $4,545$54,540
Home Insurance *$263$3,156
Property Taxes $367$4,404
Electricity $236$2,840
Total$5,411$64,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,520/yr
40% on housing$162,330/yr
45% on housing$144,293/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$354This listing

vs Other Active Listings

Avg $/sqft

ZIP 28761$454
McDowell County$258

vs Homes Sold Last Month

Median $/sqft

ZIP 28761$274
McDowell County$232

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
2025-10-09Listed for sale$899,000
2025-10-01Listing removed$899,000
2024-12-26Listed for sale$899,000
2024-08-13Listing removed$925,000
2024-08-11Listed for sale$925,000
2017-07-07Sold$322,500

For Sale by Agent

AgentDonna Kirkpatrick
BrokerageEXP Realty LLC

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