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120 New Ridge Lane, Piney Creek, NC, 28663

2beds
3baths
2,246sqft
$449,000
$200price/sqft
$2,951/moest. monthly cost
$118,040/yrincome needed

About This Home

Welcome to this beautifully maintained log-sided cabin in the desirable gated community of River Country Estates with access to the New River. Designed with space and comfort in mind, this home offers a basement, main level, and second floor with loft overlooking the living and dining areas. A stunning wood-burning fireplace anchors the open living space, creating a warm and inviting atmosphere. In addition to the traditional bedrooms, there are two versatile bonus rooms currently used as extra sleeping space, making this cabin comfortable for a large family or hosting guests. The layout is great for entertaining, with plenty of room to gather indoors or enjoy the outdoors after a day on the river. Whether you’re looking for a full-time residence, vacation getaway, or a 2nd home, this cabin delivers the charm of rustic mountain living with modern convenience.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Piney Creek ElementaryGrades PK-81.5 mi
7/10
Alleghany HighGrades 9-1211.9 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Log Siding,Masonry,Stone,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Log Home,Mountain
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Electric Water Heater,Microwave Hood Fan,Microwave,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Window Treatments
  • Window features: Window Treatments
  • Number of fireplaces: 1
  • Fireplace features: One,Stone,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 825
  • Finished area above ground: 1,421

Heating & Cooling

  • Heating features: Electric,Fireplace(s),Heat Pump
  • Cooling features: Central Air,Electric,Heat Pump,1 Unit

Interior Area

  • Total structure area: 2,246
  • Total interior livable area: 2,246 sqft

Property

Details

  • Parcel number: 3012571477

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Multiple,Wrap Around
  • Exterior features: Paved Driveway

Lot

  • Lot size: 0.71 Acres

Parking

  • Parking features: Driveway,Paved,Private
  • 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 WaveVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Alleghany 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 $2,270$27,240
Home Insurance *$203$2,436
Property Taxes $269$3,228
Electricity $209$2,510
Total$2,951$35,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,177/yr
40% on housing$88,530/yr
45% on housing$78,693/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: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 28663
Alleghany County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 28663
Alleghany County$238

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
2025-11-04Price change$449,000
2025-09-29Listed for sale$459,000
2025-01-24Listing removed$439,000
2024-05-31Listed for sale$439,000
2008-01-16Sold$308,500

For Sale by Agent

AgentCarlos Sosa
BrokerageSosa & Associates Realtors

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