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1370 Saylor Way #8, Nebo, NC, 28761

4beds
3baths
1,960sqft
$899,000
$459price/sqft
$5,464/moest. monthly cost
$218,560/yrincome needed

About This Home

Welcome to 1370 Saylor Way #8 in The Enclave at Lake James, a thoughtfully designed post and beam home set on approximately 4.95 private acres with long range mountain views and deeded boatslip S3 included. Built in 2023, this four bedroom, two full and one half bath home offers a functional layout ideal for full time living, a second home, or investment opportunity, as short term rentals are permitted. The main level features an open living area with a gas fireplace, abundant natural light, and direct access to multiple outdoor living spaces including a covered front porch, rear deck, and screened porch with fireplace. The kitchen is equipped with a large island, solid surface countertops, and a full appliance package, making it well suited for both everyday use and entertaining. The main level primary suite provides convenience and privacy, while upstairs includes three additional bedrooms, a full bath, and a flexible den or media space. Durable finishes throughout, including vinyl plank flooring, contribute to low maintenance living. Outdoor amenities include a fire pit area, hot tub, and ample usable yard space surrounded by mature woods, creating a peaceful setting. The property also features a well and septic system already in place. Located within the gated Enclave at Lake James, the community offers lake access and a balance of privacy and convenience, with Morganton and Marion just a short drive away.

Getting Around

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

Schools

6/10
Glen Alpine ElementaryGrades PK-59.1 mi
6/10
Table Rock MiddleGrades 6-89.2 mi
5/10
Freedom HighGrades 9-1212.2 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Crawl Space
  • Construction materials: Fiber Cement,Hardboard Siding,Stone Veneer

Other

  • Builder model: Crow's Nest
  • Builder name: Higgins Building Group

Type & Style

  • Home type: SingleFamily
  • Architectural style: Post and Beam,Rustic
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Electric Oven,Exhaust Fan,Exhaust Hood,Microwave,Oven,Refrigerator,Washer,Washer/Dryer
  • Laundry features: Main Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Den

  • Level: Upper

Family Room

  • Level: Main

Features

  • Hot Tub,Kitchen Island
  • Flooring: Vinyl
  • Fireplace features: Family Room,Gas,Gas Log,Gas Unvented,Outside,Porch
  • Finished area below ground: 0
  • Finished area above ground: 1,960

Heating & Cooling

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

Interior Area

  • Total structure area: 1,960
  • Total interior livable area: 1,960 sqft

Kitchen

  • Features: Kitchen Island
  • Level: Main

Laundry

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 63567
  • Zoning: R
  • Special condition: Standard
  • Other equipment: Fuel Tank(s)

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Front Porch,Porch,Rear Porch,Screened
  • Exterior features: Fire Pit
  • Has spa: Yes
  • Spa features: Heated,Interior Hot Tub
  • Has view: Yes
  • View description: Long Range,Mountain(s),Winter,Year Round
  • Waterfront features: Boat Slip (Deed),Boat Slip – Community,Dock
  • Waterbody name: Lake James

Lot

  • Lot size: 4.95 Acres
  • Features: Hilly,Level,Open Lot,Private,Sloped,Wooded,Views
  • Lot size dimensions: Irregular

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Cold Wave
Landslide
Tornado

FEMA Declared Disasters in Burke 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 $456$5,472
Electricity $200$2,405
Total$5,464$65,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$187,337/yr
40% on housing$163,920/yr
45% on housing$145,706/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$459This listing

vs Other Active Listings

Avg $/sqft

ZIP 28761$452
Burke County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 28761$274
Burke County$195

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
2026-03-25Price change$950,000
2025-10-27Price change$999,000
2025-09-08Listed for sale$1,050,000
2020-12-11Sold$75,000
2020-10-07Pending sale$85,000
2020-08-19Price change$85,000
2020-05-28Price change$95,000
2020-05-12Price change$99,995
2020-03-08Listed for sale$101,000

For Sale by Agent

AgentBryan Jones
BrokerageKeller Williams Unified

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