124 Cold Branch Ln, Hayesville, NC, 28904
About This Home
Charming country cottage nestled on 1.25 acres of mostly wooded land, very private! This house has been well taken care of and updated! Updates include entire new kitchen, cabinets, quartz countertops, tile & appliances, even a newer water heater. Both bathrooms were remodeled as well! New doors, new windows & shutters, new side deck, new grilling/cookout deck, new lighting/fans & a nice outdoor storage building set up for a small workshop with electric! It has a partially fenced yard for your fur babies! Includes generator and house is wired for it. Private well. FIBER internet! Paved roads to the house except the last few yards of well maintained gravel. Desirable location in the Tusquittee area of Hayesville, NC. Minimal restrictive covenants. Bring your chickens or farm animals! Yard is gentle terrain with mature landscaping and beautiful old trees. If you like to hike, Boetler Peak and Chunky Gal trails are very close by. This area is part of the Nantahala National Forest. Less than 5 miles is a public boat ramp on gorgeous Lake Chatuge. Clay county, NC is known for this lake as well as many hiking trails, mountain biking & kayaking the Hiwassee River. The town square hosts free outdoor concerts on the weekends. Clay County is also home to the Peacock Performing Arts Center, as well as the popular John C. Campbell Folk School.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1979
Materials
- Roof: Shingle
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin,Country,Cottage,Craftsman
- Property subType: Residential
Interior
Appliances
- Appliances included: Range,Dishwasher
- Laundry features: Main Level,Laundry Room
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 2
Features
- Entrance Foyer
- Flooring: Wood,Carpet,Tile
- Fireplace features: Electric
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,794
- Total interior livable area: 1,794 sqft
Master Bedroom
- Level: Main,Upper
Property
Details
- Parcel number: 558100850608
Features
- Levels: Two
- Stories: 2
- Exterior features: Private Yard
- Fencing: Fenced
- Has view: Yes
- View description: Mountain(s),Seasonal,Trees/Woods
- Frontage type: Road
- Topography of land: Sloping
Lot
- Lot size: 1.25 Acres
Parking
- Parking features: Driveway,Gravel
- 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
- Tornado
- Ice Storm
- Landslide
- Strong Wind
- 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 | $1,996 | $23,952 |
| Home Insurance * | $163 | $1,956 |
| Property Taxes | $183 | $2,196 |
| Electricity | $200 | $2,405 |
| Total | $2,542 | $30,504 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-04 | Price change | $394,900 |
| 2026-03-13 | Listed for sale | $399,900 |
| 2021-04-01 | Sold | $194,000 |
| 2021-02-28 | Contingent | $199,900 |
| 2020-07-29 | Price change | $199,900 |
| 2019-10-14 | Listed for sale | $205,000 |
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