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659 Chestnut Grove Rd, Spruce Pine, NC, 28777

1beds
2baths
1,100sqft
$293,000
$266price/sqft
$1,942/moest. monthly cost
$77,680/yrincome needed

About This Home

Welcome to Little Switzerland! This bungalow house is your mountain retreat. The land is part of the original Little Switzerland Land Development in 1909! It features a covered front porch with a swing, cozy den with Bark House poplar bark wall panels, warm bedroom with knotty pine walls, screened rear patio with views of the back yard and party lights. Two bedroom, one and a half bath with a upstairs that could be used for additional bed room. Updated kitchen with new wood floor, granite countertops and cast iron farm sink. Tankless gas hot water heater. Back deck for grilling, shed for storage and working, stone fire pit for campfires, mature apple tress, blueberry bushes and raspberries. Park like yard with azaleas, hydrangeas, rhododendrons, peonies, laurel and much more. Walking distance to the Inn and shops, grassy creek waterfall and breath taking views of the Appalachian Mountains. Private hiking trail from the back yard takes you to the Blue Ridge Parkway. Perfect home, vacation or rental. Minutes to everywhere you want to be but without the daily congestion of life

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

--
Greenlee PrimaryGrades PK-23.3 mi
1/10
Harris MiddleGrades 6-83.9 mi
8/10
Mayland Early CollegeGrades 9-127.3 mi

Construction

Condition

  • Year built: 1933

Materials

  • Roof: Shingle
  • Construction materials: Unknown

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Gas Water Heater,Tankless Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • See Remarks
  • Flooring: Wood
  • Fireplace features: None
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,100
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,100
  • Total interior livable area: 1,100 sqft

Property

Details

  • Parcel number: 078800108053
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Rear Porch,Screened,See Remarks
  • Exterior features: Private Yard,Storage
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 0.80 Acres
  • Features: Back Yard,Front Yard,Landscaped,See Remarks

Parking

  • Total spaces: 6
  • Parking features: Open
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Mitchell 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 $1,481$17,772
Home Insurance *$102$1,224
Property Taxes $159$1,908
Electricity $200$2,405
Total$1,942$23,304
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,582/yr
40% on housing$58,260/yr
45% on housing$51,786/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 9.2%
9.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 28777$151
Mitchell County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 28777
Mitchell County$231

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
2026-07-02Listed for sale$293,000
2026-07-01Listing removed$293,000
2026-03-07Listed for sale$293,000
2013-08-14Sold$95,500

For Sale by Agent

AgentAllen Wyde
BrokeragePinnacle Realty

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