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129 Troys Trail, Todd, NC, 28684

3beds
2baths
1,268sqft
$439,900
$347price/sqft
$2,781/moest. monthly cost
$111,240/yrincome needed

About This Home

This charming mountain getaway, on the way from Stonebridge to West Jefferson is perfect for anyone who prefers five acres all of their own and life unburdened by myriad restrictions in a subdivision POA. For the price of a 1/2 acre subdivision home squeezed by close neighbors, here you'll find nothing but the serene sounds of a gurgling stream and wildlife on the five-acre mountain meadow. Located convenient to West Jefferson, you're close to everything to make life easy. This would be a charming bed and breakfast, your dream mountain getaway or family compound with the prospect of building new log homes on the high meadow overlooking mighty Call Creek and the mountains beyond. Offered furnished with exceptions and pre-inspected for your peace of mind. Furnished subject to owner's list of personal and sentimental exceptions. Come and see it before it floats away down the stream.

Getting Around

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

Schools

8/10
Westwood ElementaryGrades K-62.9 mi
10/10
Ashe County MiddleGrades 7-89.0 mi
3/10
Ashe County HighGrades 9-125.4 mi

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Basement
  • Roof: Metal
  • Construction materials: Hardboard,Wood Frame

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Furnished
  • Fireplace features: Free Standing,Gas,Propane
  • Fireplace: Yes
  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 1,268

Heating & Cooling

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

Interior Area

  • Total structure area: 1,380
  • Total interior livable area: 1,268 sqft

Property

Details

  • Parcel number: 132945917280

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Open
  • Exterior features: Storage
  • Has view: Yes
  • View description: Mountain(s)
  • Waterfront features: Creek,Stream

Lot

  • Lot size: 5 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Two Car Garage,Gravel,Shared Driveway
  • 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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Ice Storm
Landslide
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 $2,224$26,688
Home Insurance *$175$2,100
Property Taxes $182$2,184
Electricity $200$2,405
Total$2,781$33,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,348/yr
40% on housing$83,430/yr
45% on housing$74,160/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

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 28684$211
Ashe County$204

vs Homes Sold Last Month

Median $/sqft

ZIP 28684
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)

No zestimate history available

Price History

DateEventPrice
2026-04-15Listed for sale$475,000
2026-01-04Listing removed$475,000
2025-07-05Listed for sale$475,000

For Sale by Agent

AgentBob de Camara
BrokerageAshe Real Estate

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