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358 Olde Charter Circle, Jefferson, NC, 28640

5beds
4baths
4,499sqft
$1,240,000
$276price/sqft
$7,693/moest. monthly cost
$307,720/yrincome needed

About This Home

Welcome to your ultimate multigenerational mountain retreat or forever home in Jefferson Landing, where everyone you love can gather under one roof with room to spare. The community is set against a breathtaking backdrop of panoramic Blue Ridge Mountain views and the rolling fairways of Jefferson Landing's gated, world-class 18-hole golf course. This exceptional home offers the perfect blend of beauty, privacy, and timeless mountain living. Mature trees, manicured gardens, and thoughtfully designed, low-maintenance landscaping provide year-round color and beautifully frame the home's spectacular setting. Designed for comfortable one-level living while accommodating family and guests with ease, the main level features soaring vaulted ceilings, elegant moldings, and expansive windows, filling the room with natural light and showcase the stunning mountain and community views. The kitchen is equipped with stainless steel appliances, generous counter space, a large pantry, and a sunny breakfast area overlooking the beautifully landscaped grounds. The spacious living room centers around a cozy gas fireplace, while the formal dining room, highlighted by a vaulted ceiling, is perfectly suited for holiday celebrations and large family dinners. The main-level primary suite offers a peaceful retreat with a tray ceiling, large walk-in closet, and a luxurious ensuite bath featuring dual vanities, a soaking tub, and a walk-in shower. A dedicated home office, convenient half bath, and main-level laundry complete this thoughtfully designed floor. Step outside onto the partially covered living area to enjoy spectacular mountain sunsets and peaceful evenings surrounded by beautifully landscaped grounds. Upstairs, three spacious guest bedrooms, a full bath, and a versatile bonus room provide abundant space for family and visitors. Whether used as a playroom, fitness room, hobby space, or additional sleeping quarters, this flexible area easily adapts to your family's needs. The finished lower level serves as the ultimate gathering place, featuring a spacious media and game room with rich wainscoting, cherry built-in cabinetry, a second fireplace, and a wet bar designed for effortless entertaining and second home office. A second primary bedroom with ensuite containing a full bath, dual vanities and walk-in shower provides comfortable accommodations for extended family or long-term guests. Ample storage with built-in shelving keeps everything organized, and direct walk-out access leads to the rear patio and expansive backyard, where beautifully landscaped grounds create the perfect setting for lawn games, family cookouts, bonfires, and outdoor entertaining. Located in the highly esteemed gated community of Jefferson Landing, residents enjoy access to exceptional resort-style amenities through Club Membership, including a beautifully appointed clubhouse with dining, a swimming pool with poolside bar and grill, fitness center, pickleball and tennis courts, Riverside Park along the New River with a covered pavilion, a Himalayan-style putting course, and seven par-3 practice holes surrounding the championship golf course. Whether you're drawn by the world-class golf, breathtaking mountain scenery, or the opportunity to create lasting family traditions, this remarkable home offers an extraordinary place where every season brings everyone together. A $1,000 Capital Improvement Fee is paid by the buyer to the Jefferson Landing POA at closing.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

7/10
Mountain View ElementaryGrades PK-62.5 mi
10/10
Ashe County MiddleGrades 7-86.7 mi
4/10
Ashe County HighGrades 9-123.7 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Basement,Slab
  • Roof: Architectural,Shingle
  • Construction materials: Cedar,Masonry,Stucco,Wood Frame

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Finished,Interior Entry,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Wet Bar,Tray Ceiling(s),Vaulted Ceiling(s)
  • Window features: Double Hung,Double Pane Windows,Screens
  • Number of fireplaces: 2
  • Fireplace features: Two,Gas,Propane
  • Fireplace: Yes
  • Finished area below ground: 1,637
  • Finished area above ground: 2,862

Heating & Cooling

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

Interior Area

  • Total structure area: 4,499
  • Total interior livable area: 4,499 sqft

Property

Details

  • Parcel number: 092987954128

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Open
  • Has view: Yes
  • View description: Long Range,Mountain(s),Residential
  • Waterfront features: Pond

Lot

  • Lot size: 0.75 Acres

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Attached,Driveway,Garage,Two Car Garage
  • 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 $6,270$75,240
Home Insurance *$477$5,724
Property Taxes $527$6,324
Electricity $419$5,028
Total$7,693$92,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$263,760/yr
40% on housing$230,790/yr
45% on housing$205,146/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

$276This listing

vs Other Active Listings

Avg $/sqft

ZIP 28640$230
Ashe County$202

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
2026-07-20Listed for sale$1,240,000

For Sale by Agent

AgentChristy Barr
BrokerageRegency On the Lake- West Jefferson

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