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54 Thad Johnson Dr, Saluda, NC, 28773

2beds
1baths
800sqft
$324,999
$406price/sqft
$2,104/moest. monthly cost
$84,160/yrincome needed

About This Home

Tucked away on two peaceful acres just minutes from historic downtown Saluda, this beautifully maintained mountain cottage offers the perfect blend of comfort, privacy, and convenience. Featuring approximately 800 square feet of thoughtfully designed living space, the open-concept floor plan includes two bedrooms and one spacious full bathroom with tasteful updates throughout, making this home truly move-in ready. A paved driveway and concrete parking area welcome you home, while the pole barn and storage shed provide excellent space for an RV, boat, outdoor equipment, hobbies, 2 vehicles or additional storage. Spend your evenings gathered around the custom fire pit, relax on the side deck with your morning coffee, and enjoy the tranquility of the surrounding woods. The encapsulated crawlspace with a dehumidifier enhances energy efficiency and helps protect the home year-round. Whether you're searching for a full-time residence, a peaceful mountain retreat, or an investment opportunity, this charming cottage offers exceptional flexibility with no HOA. Just a short drive from Saluda's charming shops, local restaurants, art galleries, and endless outdoor recreation, this delightful mountain cottage captures the best of mountain living while keeping you close to everything that makes Saluda so special. Come experience the peace, privacy, and magic of this mountain retreat!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

7/10
Saluda Elementary SchoolGrades PK-51.1 mi
4/10
5/10
Polk County High SchoolGrades 9-128.5 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator,Washer/Dryer
  • Laundry features: Inside,Laundry Closet

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Open Floorplan,Pantry
  • Finished area below ground: 0
  • Finished area above ground: 800

Heating & Cooling

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

Interior Area

  • Total structure area: 800
  • Total interior livable area: 800 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: P13144
  • Zoning: MU
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fire Pit,Storage

Lot

  • Lot size: 2 Acres
  • Features: Hilly,Level,Private,Wooded

Parking

  • Total spaces: 2
  • Parking features: Detached Carport,Driveway,Parking Space(s),RV Access/Parking
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

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

  • Ice Storm
    Ice StormRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Landslide
Lightning
Strong Wind
Cold Wave
Inland Flooding
Tornado

FEMA Declared Disasters in Polk County and North Carolina

Fire
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 $1,643$19,716
Home Insurance *$101$1,212
Property Taxes $160$1,920
Electricity $200$2,405
Total$2,104$25,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,137/yr
40% on housing$63,120/yr
45% on housing$56,106/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: 11.3%
11.3%
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

$406This listing

vs Other Active Listings

Avg $/sqft

ZIP 28773$260
Polk County$289

vs Homes Sold Last Month

Median $/sqft

ZIP 28773
Polk County$254

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
2026-07-31Listed for sale$324,999
2025-08-08Listing removed$390,000
2025-06-22Listed for sale$390,000
2020-08-14Sold$195,000
2020-07-03Pending sale$185,000
2020-07-02Listed for sale$185,000

For Sale by Agent

AgentMerle Reese
BrokerageKeller Williams Mtn Partners, LLC

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