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326 Summit Dr, Whittier, NC, 28789

5beds
4baths
5,857sqft
$1,375,000
$235price/sqft
$8,578/moest. monthly cost
$343,120/yrincome needed

About This Home

Architecturally designed and thoughtfully appointed, this five-bedroom, four-bath mountain estate in Smoky Mountain Country Club delivers the full Western North Carolina experience, panoramic multi-range views, dramatic sunrises, sunsets, moonrises and the kind of dynamic landscape that stops you mid-sentence. Set within a gated mountain golf course community just one hour from Asheville and minutes to Bryson City attractions, this home commands attention from the moment you enter inside. The great room centers on a soaring stacked stone fireplace flanked by hand-hewn wooden beams and hand-scraped hickory floors, craftsmanship that reflects the character of the mountains themselves. The gourmet kitchen is built for everyday living and effortless entertaining, featuring a large island with gas range, breakfast bar, seating area, and custom cabinetry throughout. A laundry and pantry combination keeps everything organized and close at hand, the kind of thoughtful detail that makes a home livable. Storage is exceptional throughout with multiple walk-in closets, built-out closet systems and dedicated storage spaces to ensure everything has a place. The primary suite offers a private sitting space with endless views and deck access, double walk-in closets, and a spa-caliber en suite with a double-head shower and soaking tub. Four of the five bedrooms have their own private en suites, a rare and welcome detail for guests and family alike. Additional features include soaring ceilings, a Lutron Homeworks lighting system, a dedicated wine room, three heat pumps for ultimate zoning control (two replaced recently) because comfort and peace of mind are non-negotiable. Multiple open decks and porches frame the views from every angle, and ample driveway parking plus an upsized three-car garage mean there is always room for guests, accessories and everything the mountain lifestyle calls for. The professionally landscaped grounds include an outdoor gas firepit area boasting equally impressive views as the home, a natural gathering place as the sun drops behind the ridge. The lower level functions beautifully as additional living space or a fully self-contained in-law suite or guest retreat, complete with an entertainment room, kitchenette, fully equipped fitness room, three bedrooms, two baths, a dedicated laundry closet, and its private entrance and deck. A large bonus room above the three-car garage offers flexible space for a studio, office, bunk room or media room. And for those with vision, an additional buildable lot conveys with the property, a rare opportunity to expand, invest or simply preserve your privacy and views. The home conveys fully furnished and turnkey. This is not simply a house. It is the place where your mornings begin with coffee on the deck as the mist lifts off the ridgeline and the light turns the mountains gold. Where your evenings end around the fire as the stars emerge over the pristine fairways below. Where out-of-town guests arrive and immediately understand why you made the move to Western North Carolina. Life here moves at the pace you chose when you chose these mountains. The kind of pace where seasons are felt, not just noted on a calendar. Where a rainbow after an afternoon storm is not a surprise, it is simply Tuesday. Where the home itself, with all its space and warmth and detail, becomes the backdrop for the life you have been building toward. For the primary buyer, this is the one that checks every box. For the investor, the data is equally compelling, the scale of this home, the rental potential of a gated golf course community one hour from Asheville and 15 minutes to Bryson City, and the additional buildable lot create an opportunity that is difficult to replicate in today's WNC market. Move in, unpack nothing and start living. Properties this complete, this considered and this rare in the Southern Appalachians do not wait.

Getting Around

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

Schools

5/10
Swain County Middle SchoolGrades PK,6-84.4 mi
2/10
Swain County High SchoolGrades 9-125.4 mi

Construction

Condition

  • Year built: 2006

Materials

  • Construction materials: Hardboard Siding,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Gas Cooktop,Microwave,Oven,Refrigerator,Wall Oven,Washer,Washer/Dryer,Other
  • Laundry features: In Basement,Laundry Closet,Laundry Room,Main Level

Bar Entertainment

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Daylight,Exterior Entry,Interior Entry

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Basement

Bathroom Full

  • Level: Basement

Bedroom S

  • Level: Main

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 2

Bonus Room

  • Level: Basement

Dining Area

  • Level: Main

Dining Room

  • Level: Main

Exercise Room

  • Level: Basement

Family Room

  • Level: Basement

Features

  • Door features: French Doors,Sliding Doors
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Fire Pit,Gas Log,Great Room
  • Finished area below ground: 2,621
  • Finished area above ground: 3,236

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Floor Furnace,Heat Pump,Propane
  • Cooling features: Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 3,236
  • Total interior livable area: 5,857 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 669300727406
  • Zoning: res
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch,Rear Porch
  • Exterior features: Fire Pit,Other - See Remarks
  • Has view: Yes
  • View description: Golf Course,Long Range,Mountain(s),Year Round

Lot

  • Lot size: 2.68 Acres
  • Features: Green Area,Level,Sloped,Views

Parking

  • Total spaces: 3
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • 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 $6,952$83,424
Home Insurance *$566$6,792
Property Taxes $515$6,180
Electricity $545$6,546
Total$8,578$102,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$294,102/yr
40% on housing$257,340/yr
45% on housing$228,746/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

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 28789$196
Swain County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 28789$266
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)

No zestimate history available

Price History

DateEventPrice
2026-05-07Listed for sale$1,375,000
2021-09-23Sold$1,100,000
2021-08-11Contingent$1,100,000
2021-08-05Listed for sale$1,100,000
2021-07-21Contingent$1,100,000
2021-07-11Listed for sale$1,100,000
2014-09-24Sold$630,000
2013-12-20Sold$680,000

For Sale by Agent

AgentJennifer Campbell-Overbeeke, Premier Sotheby’s International Realty, Natalie Bacon, Premier Sotheby’s International Realty
BrokeragePremier Sotheby’s International Realty

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