




102 Cross Creek Ln, Warne, NC, 28909
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
Schools
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Hail
- Ice Storm
- Landslide
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Clay County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,066 | $72,792 |
| Home Insurance * | $439 | $5,268 |
| Property Taxes | $469 | $5,628 |
| Electricity | $309 | $3,715 |
| Total | $7,283 | $87,396 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-10-24 | Price change | $1,200,000 |
| 2025-06-16 | Listed for sale | $1,300,000 |
