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102 Cross Creek Ln, Warne, NC, 28909

3beds
3baths
3,324sqft
$1,199,800
$361price/sqft
$7,283/moest. monthly cost
$291,320/yrincome needed

About This Home

THIS REMARKABLE PROPERTY WILL TRANSPORT YOU to a simpler time, reminiscent of leisurely days spent sitting on the front porch in the mountain air, sweet tea in hand, dogs at your feet enjoying 25-mile views of many of the highest peaks of the Nantahala Mountain Range and Western NC. This custom chink log home, featuring over 3,300 square feet of rustic elegance, welcomes you with an abundance of natural light streaming through numerous windows, showcasing the expansive 30+ acres of level and gently rolling pasture, complete with permanent round pen for horses and sorting pens, chutes and corral for cattle. The spacious kitchen, designed for both meal preparation and casual dining, is complemented by a large granite countertop and saddle seating. The living room, with its stunning views and a striking stacked orchard-stone fireplace, creates a warm and inviting atmosphere within the open-concept layout. Main level incudes primary bedroom and bath, guest bedroom, bath, and craft/hobby room. Additionally, there's a mudroom with separate laundry area, upstairs there's a bedroom and bonus room ideal for children's play/game room, and a partially unfinished basement with walk-out access & wood stove for backup heat source. Outside, the front porch offers a picturesque view of the pasture and horse corral. In the back, you will find the coolest breeze in the summertime while lounging in a hammock under the huge 100-year-old oak trees in a center island created for socializing, featuring a fireplace/outdoor oven. This property is equipped with a horse barn housing five stalls, a two-car detached garage currently used as a “man cave”, and a private shoot house/pistol range down the hill. Picturesque Pine Log Creek runs several hundred yards through the middle of the bottomland pasture. Whether your interest is relaxing in the most serene mountain setting or raising horses on a turn-key ready, working farm, this gorgeous, one-of-a-kind property is ready for its new owners.

Getting Around

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

Schools

7/10
Hayesville ElementaryGrades 3-59.2 mi
3/10
Hayesville MiddleGrades 6-89.0 mi
5/10
Hayesville HighGrades 9-129.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1998

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Country
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Cooktop,Oven,Microwave,Washer,Dryer,Electric Water Heater
  • Laundry features: Main Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Unfinished,Partial

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1
  • Main level bedrooms: 2

Features

  • Pantry,Wood,Entrance Foyer,Eat-in Kitchen
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Dual Fuel
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,324
  • Total interior livable area: 3,324 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 541800496446
  • Other equipment: Generator

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Front Porch,Covered
  • Exterior features: Storage,Pasture,Private Yard
  • Fencing: Fenced Pasture,Fenced
  • Has view: Yes
  • View description: Mountain(s),Year Round,Pasture,Creek/Stream,Trees/Woods
  • Has water view: Yes
  • Water view: Creek/Stream
  • Waterfront features: Creek
  • Frontage type: Road,Creek
  • Topography of land: Level,Sloping

Lot

  • Lot size: 30 Acres
  • Features: Farm

Parking

  • Parking features: Garage,Detached,Driveway,Asphalt
  • Has garage: Yes
  • 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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Hail
Ice Storm
Landslide
Wildfire

FEMA Declared Disasters in Clay 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 $6,066$72,792
Home Insurance *$439$5,268
Property Taxes $469$5,628
Electricity $309$3,715
Total$7,283$87,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$249,702/yr
40% on housing$218,490/yr
45% on housing$194,213/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$361This listing

vs Other Active Listings

Avg $/sqft

ZIP 28909$2,555
Clay County$366

vs Homes Sold Last Month

Median $/sqft

ZIP 28909
Clay County$184

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
2025-10-24Price change$1,200,000
2025-06-16Listed for sale$1,300,000

For Sale by Agent

AgentDavid Ritz
BrokerageREMAX Mountain Properties

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