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1317 Sugar Mountain Drive #M-54, Sugar Mountain, NC, 28604

3beds
2baths
1,470sqft
$412,000
$280price/sqft
$2,528/moest. monthly cost
$101,120/yrincome needed

About This Home

This is the turnkey home you’ve been looking for! Offering a rare blend of utility, convenience & adventure, this unique 3 bedroom (+loft) condo is one of only two ever built in this style, featuring a large 669-square-foot heated garage that doubles as a den, game room, or the ultimate mountain "drop zone" for your snow gear. A short path from Hemlock Nob leads directly to Sugar Mountain Ski Resort, offering you a true "park and play" lifestyle for skiing, snowboarding, and ice skating in the Winter, or mountain biking, golf, and tennis during the cool Mountain Summers. The interior has been thoughtfully updated to balance mountain charm with modern convenience, featuring new LVP (2024) and carpets (2023) , fresh paint throughout (2023), and a stone fireplace that serves as the heart of the open-concept living area. The main level provides everything needed for comfortable living, including a spacious bedroom with a new memory foam King mattress, a full bath, and washer-dryer. Upstairs, you'll find two additional generously sized bedrooms, a second full bath, and a flexible 117-square-foot sleeping loft. Currently set up to sleep 12 and offered fully furnished (w/ few exceptions), this home is a high-capacity retreat ready for full-time living, family vacations, or a turnkey rental property. The kitchen is fully equipped for a crowd with double ovens, a new dishwasher and all-new kitchenware. Two decks invite you to dine alfresco while you soak in the breezes at 4000'+ elevation. Significant capital improvements offer peace of mind, including a new metal roof (2025), new toilets and ceiling fans (both 2025). Situated just minutes from the heart of Banner Elk, Grandfather Mountain, and <30min to Boone and Appalachian State University, this gem is convenient to all the High Country has to offer. Please note that loft & garage are not included in the total square footage. Work order has been placed to update the front deck. Priced to sell and easy to show. Don't miss the chance to own one of the most functional and well-located condos on the mountain!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

8/10
2/10
Avery MiddleGrades 6-85.5 mi
3/10
Avery County High SchoolGrades 9-125.5 mi

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Wood Siding,Wood Frame

Type & Style

  • Home type: Condo
  • Architectural style: Mountain
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Double Oven,Dryer,Dishwasher,Microwave Hood Fan,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Furnished,Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: One,Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,470

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,470
  • Total interior livable area: 1,470 sqft

Property

Details

  • Parcel number: 18570758693500054

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Multiple
  • Exterior features: Paved Driveway
  • Has view: Yes
  • View description: Mountain(s),Residential

Lot

  • Features: Ski In /Ski Out

Parking

  • Total spaces: 1
  • Parking features: Attached,Basement,Driveway,Garage,One Car Garage,Oversized,Paved,Private,On Street
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Landslide
    LandslideRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Avery 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 $2,083$24,996
Home Insurance *$110$1,320
Property Taxes $135$1,620
Electricity $200$2,405
Total$2,528$30,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,674/yr
40% on housing$75,840/yr
45% on housing$67,413/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$280This listing

vs Other Active Listings

Avg $/sqft

ZIP 28604$295
Avery County$290

vs Homes Sold Last Month

Median $/sqft

ZIP 28604$365
Avery County$290

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
2026-08-10Price change$399,900
2026-06-14Price change$412,000
2026-05-07Listed for sale$419,000
2026-01-01Listing removed$449,000
2025-10-09Price change$449,000
2025-07-15Price change$475,000
2025-06-04Listed for sale$485,000
2021-12-17Sold$315,000
2021-11-27Contingent$345,000
2021-10-23Price change$345,000
2021-10-18Listed for sale$325,000

For Sale by Agent

AgentMary Pope
BrokerageKeller Williams High Country

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