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77 Pigeon Creek Trl, Bryson City, NC, 28713

5beds
4baths
2,733sqft
$550,000
$201price/sqft
$3,492/moest. monthly cost
$139,680/yrincome needed

About This Home

MUST SEE - BETTER THAN PHOTOS - We planned to stay forever - HIGHLY upgraded-MOVE IN READY. UNIQUE combination of many recent major upgrades including electrical mechanical and aesthetic. This is the most affordable home we have seen with a combination of all of these features, overall condition and location. Owner has invested over $175,000 and over 6,000 hours in this property since purchasing it. All New: 6 months: LG Washtower (smart) 2yrs Roof, Bespoke Smart Fridge, Bespoke smart dishwasher, Bespoke microwave GE range/double oven with convection 24kw whole house backup generator (can power LITERALLY EVERYTHING in the home at the same time) 2 Bosch variable speed heat pumps (three zones with smart thermostats) 2 New Outbuildings w power 8x8 &10x20 4yrs Water heater 7 ceiling fans + much more Home features: Propane Fireplace Hickory Floors 9' ceilings Granite kitchen countertops Pantry 800 sq ft wraparound deck artesian well Fresh Paint 869 SF walk out basement with both interior, exterior and garage access ideal for in-law suite or rental or business - 869 sq ft fully finished unit with full kitchen, bath, 2 lg bedrooms, washer/dryer hookups and separate entrance leading to gardens attached garage w/inside entry and service door 2 Large Bold Creeks w/waterfalls (over 425 lineal feet), and a small island Private, Unrestricted land No HOA Underground utilities 2.2 ac with easy year round access - close to town and lake 2,654 foot elevation for mild weather Year round Views 30+ fruit trees Expansive gardens Fiber optic internet available by November 2026 per NC Broadband Infrastructure Office

Getting Around

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

Schools

5/10
Swain Co West ElementaryGrades K-53.0 mi
5/10
Swain County Middle SchoolGrades PK,6-83.9 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Footing
  • Roof: Metal
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

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

Features

  • Large Master Bedroom,Walk-in Closets,Breakfast Bar,Island,Other-See Remarks,Master on Main Level,Ceramic Tile Bath,Cathedral/Vaulted Ceiling,New Kitchen,In-law Quarters
  • Flooring: Tile,Carpet,Hardwood,Laminate,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Heat pump,Other,Electric,Propane / Butane
  • Cooling features: Refrigerator,Central

Interior Area

  • Total interior livable area: 2,733 sqft

Property

Details

  • Parcel number: 667102686449

Features

  • Exterior features: Stucco,Vinyl
  • Has view: Yes
  • View description: Water,Mountain
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 2.19 Acres

Parking

  • Total spaces: 6
  • Parking features: Garage - Attached,Off-street

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
  • Ice Storm
    Ice StormRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Swain 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 $2,781$33,372
Home Insurance *$175$2,100
Property Taxes $282$3,384
Electricity $254$3,054
Total$3,492$41,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,725/yr
40% on housing$104,760/yr
45% on housing$93,120/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 28713$211
Swain County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 28713$275
Swain County$310

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
2026-05-08Price change$590,000
2026-04-09Listed for sale$630,000
2020-09-03Sold$270,000
2020-08-06Pending sale$280,000
2020-07-03Listed for sale$280,000
2018-09-07Listing removed$310,000
2018-05-22Price change$310,000
2018-05-07Price change$315,000
2018-01-12Listed for sale$325,000
2005-07-11Sold$60,000

For Sale by Owner

AgentProperty Owner

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