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47 Riverwalk Cir, Hayesville, NC, 28904

2beds
2baths
1,564sqft
$355,000
$227price/sqft
$2,301/moest. monthly cost
$92,040/yrincome needed

About This Home

Easy, relaxed living awaits in this delightful 2-bedroom, 2-bath residence nestled in the heart of Hayesville. Step inside through the welcoming entry with a coat closet and feel right at home in the spacious living area, where a beautiful stone gas fireplace sets the perfect cozy ambiance. A dedicated dining area and sunny sunroom make this home ideal for both everyday living and entertaining. The kitchen is a warm and functional space featuring rich cabinetry, Corian countertops, and a convenient pantry. Retreat to the generous primary bedroom, complete with a walk-in closet and a lovely ensuite bath boasting a separate shower, jetted tub, and dual sinks — your own personal sanctuary. Guests will feel equally welcome in the comfortable guest bedroom with its full bath. A bonus room rounds out the home, perfect for a home office or extra storage. Outside, enjoy paved access and a 1-car attached garage. Best of all, the homeowner's association takes care of all lawn maintenance, so you can spend your time doing what you love. Hayesville offers access to its recreation center and wonderful walking trails, and the property is just a short distance from the beautiful Lake Chatuge — perfect for boating, fishing, and soaking in the stunning mountain scenery. This is the easy, low-maintenance lifestyle you've been looking for. Welcome home! *Some images may include virtual staging or digital enhancements for illustrative purposes.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
Hayesville ElementaryGrades 3-50.5 mi
4/10
Hayesville MiddleGrades 6-80.6 mi
6/10
Hayesville HighGrades 9-120.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Roof: Shingle
  • Construction materials: Frame,Concrete,Composite

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Craftsman
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Microwave,Dishwasher,Washer,Dryer,Electric Water Heater
  • Laundry features: Main Level,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Slab,None

Bedrooms & Bathrooms

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

Features

  • Pantry,Ceiling Fan(s),Sheetrock,Central Vacuum,Entrance Foyer,Eat-in Kitchen
  • Window features: Insulated Windows,Vinyl,Screens
  • Flooring: Tile,Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Ventless,Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,564
  • Total interior livable area: 1,564 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 555008973681

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Mountain(s),Year Round
  • Frontage type: Road
  • Topography of land: Level

Parking

  • Total spaces: 1
  • Parking features: Garage,Driveway,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 $1,795$21,540
Home Insurance *$147$1,764
Property Taxes $159$1,908
Electricity $200$2,405
Total$2,301$27,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,891/yr
40% on housing$69,030/yr
45% on housing$61,360/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

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 28904$212
Clay County$373

vs Homes Sold Last Month

Median $/sqft

ZIP 28904
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)

Price History

DateEventPrice
2026-05-07Listed for sale$355,000
2009-09-30Sold$162,000

For Sale by Agent

AgentEmily Price
BrokerageREMAX Town & Country - The Richard Kelley Group

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