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628 Madison Ln, Brasstown, NC, 28902

2beds
4baths
3,000sqft
$899,000
$300price/sqft
$5,755/moest. monthly cost
$230,200/yrincome needed

About This Home

There are mountain homes...and then there are homes that leave you speechless. Perfectly positioned to capture an extraordinary long-range panorama of the Blue Ridge Mountains, this custom-designed mountain retreat was built to bring the outdoors in. From the moment you step through the front door, soaring ceilings and an impressive wall of windows frame a view that changes with every sunset, every passing cloud, and every season. The heart of the home is an expansive great room where natural light pours through floor-to-ceiling glass, highlighting warm wood finishes, wide-open living spaces, and a stunning floor-to-ceiling stone fireplace. The adjoining kitchen was thoughtfully designed for gathering, featuring beautiful custom cabinetry, granite countertops, stainless appliances, abundant workspace, and a large center island that naturally becomes the place where everyone gathers. Just beyond, the dining area enjoys mountain views that make every meal feel a little more special. The spacious main-level primary suite is a peaceful retreat of its own, offering generous closet space and private access to the covered deck where your morning coffee comes with a front-row seat to the mountains. Also on the main level are a convenient laundry room and powder room, making everyday living both comfortable and practical. Upstairs, you'll find an additional bedroom, a full bath, office and a separate living area that offers wonderful flexibility for guests, hobbies, or additional gathering space. The finished walk-out terrace level expands the home's versatility with a welcoming den, bonus room, full bath, basement garage, and direct access to an expansive lower deck complete with a hot tub--the perfect place to unwind beneath the stars after a day of exploring the mountains. The covered back deck feels like an extension of the great room, complete with its own stone fireplace and panoramic views stretching for miles across the mountains and valleys of Western North Carolina

Getting Around

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

Schools

7/10
Murphy HighGrades 9-126.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2013

Materials

  • Roof: Metal
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Chalet,Modern
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Dishwasher,Washer,Dryer
  • Laundry features: Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Partial,Full

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 4
  • Full bathrooms: 3
  • Partial bathrooms: 1

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),Wood,Entrance Foyer,High Speed Internet
  • Flooring: Wood,Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace features: Vented,Gas Log,Outside
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 540902961225000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Deck,Covered
  • Has view: Yes
  • View description: Mountain(s)
  • Frontage type: Road
  • Topography of land: Sloping,Rolling

Lot

  • Lot size: 1.22 Acres

Parking

  • Parking features: Garage,Basement,Asphalt
  • Has garage: Yes
  • 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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Cherokee 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 *$408$4,896
Property Taxes $523$6,276
Electricity $279$3,353
Total$5,755$69,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,314/yr
40% on housing$172,650/yr
45% on housing$153,466/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 28902$229
Cherokee County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 28902
Cherokee County$227

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
2026-06-26Listed for sale$899,000

For Sale by Agent

AgentSpies Team
BrokerageCarolina Mountain Homes

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