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374 Bower Lane, Jefferson, NC, 28640

4beds
5baths
5,815sqft
$1,100,000
$189price/sqft
$6,947/moest. monthly cost
$277,880/yrincome needed

About This Home

NESTLED IN AN INCREDIBLY CONVENIENT LOCATION, this magnificent estate situated on 3+ acres embodies mountain elegance, blending stunning views with the allure of Southern charm just minutes to downtown W. Jefferson and the New River! Custom features such as cherry cabinets, granite countertops, and two-toned hardwood floors create a formal, upscale ambiance. The heart of the home is anchored by a striking double-sided fireplace, complemented by an intimate sunroom off the informal dining area, and a larger dining area suited for formal gatherings, both capitalizing on the breathtaking views. The expansive two-story living room boasts a wall of windows that bathes the space in natural light. The primary suite is a serene retreat, complete with ample closet space, a luxurious en-suite bathroom, and a secluded sitting room. Additional bedrooms, office space, and a versatile bonus room are located upstairs. The fully finished basement offers endless possibilities, with a spacious game room equipped with a wet bar and lots of space to enjoy socializing with friends and family. A detached garage features two bedrooms, a full bath, living room, kitchen, dining area, and parking for two, providing additional living space and/or income producing rental. The property's amenities include three 2 car garages, accommodations for six vehicles, gazebo, and a two-story barn with horse stalls, plenty of storage space and a garage door offering additional parking. Come see this incredible home today!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

7/10
Mountain View ElementaryGrades PK-63.1 mi
10/10
Ashe County MiddleGrades 7-87.2 mi
4/10
Ashe County HighGrades 9-123.7 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Basement
  • Roof: Asphalt,Shingle
  • Construction materials: Brick,Masonry,Wood Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mountain,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: Washer Hookup,Dryer Hookup,Main Level

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Skylights,Vaulted Ceiling(s)
  • Window features: Skylight(s)
  • Number of fireplaces: 3
  • Fireplace features: Three,Gas,Stone,Propane
  • Fireplace: Yes
  • Finished area below ground: 1,983
  • Finished area above ground: 3,832

Heating & Cooling

  • Heating features: Electric,Fireplace(s),Heat Pump
  • Cooling features: Heat Pump,2 Units

Interior Area

  • Total structure area: 5,325
  • Total interior livable area: 5,815 sqft

Property

Details

  • Parcel number: 092997011619

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Multiple
  • Exterior features: Fence,Paved Driveway
  • Fencing: Partial
  • Has view: Yes
  • View description: Mountain(s),Pasture

Lot

  • Lot size: 3.09 Acres

Parking

  • Total spaces: 2
  • Parking features: Basement,Driveway,Detached,Garage,Two Car Garage,Other,Oversized,Paved,Private,See Remarks
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WaveVery High
  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Ashe 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 $5,562$66,744
Home Insurance *$423$5,076
Property Taxes $421$5,052
Electricity $541$6,499
Total$6,947$83,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$238,182/yr
40% on housing$208,410/yr
45% on housing$185,253/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: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 28640$235
Ashe County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 28640
Ashe 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)

Price History

DateEventPrice
2026-07-09Price change$1,100,000
2026-05-15Listed for sale$1,250,000
2018-09-21Sold$26,500
2018-01-10Sold$845,000
2017-03-01Listing removed$979,000
2013-10-25Listing removed$727,205
2013-09-28Listed for sale$727,205
2012-12-12Listing removed$466,000
2012-12-05Price change$466,000
2012-11-24Listed for sale$468,000
2011-06-23Listing removed$1,399,500
2010-09-13Listed for sale$1,399,500

For Sale by Agent

AgentStarr Kiser
BrokerageRealty One Group Results

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