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165 Winding Trl, Burnsville, NC, 28714

3beds
4baths
1,520sqft
$1,195,000
$786price/sqft
$7,219/moest. monthly cost
$288,760/yrincome needed

About This Home

Experience the pinnacle of sustainable mountain luxury. Tucked away on 6 gently sloping, wooded acres, this spectacular 3-bedroom, 3.5-bathroom custom wood cabin perfectly balances self-sufficiency with upscale architectural design. Surrounded by a vibrant, mature forest canopy, this private retreat is an outdoor enthusiast’s dream, featuring direct access to world class trout fishing on the renowned South Toe River. The property boasts an exceptional, fully independent infrastructure designed for effortless off-grid living. A solar panel array situated discreetly beside and above the garage handles daily power generation, completely backed by a heavy-duty propane generator for seamless redundancy. Drink in the pure, crisp taste of the mountains with a pristine, gravity-fed spring water system that provides natural water pressure without relying on an electric pump, complemented by a fully permitted private septic system. Architecturally striking, the cabin features dramatic prow front windows, a soaring timber-framed covered deck, beautiful stone accents, and a massive solid-rock foundation profile that anchors the home into the hillside. Inside, the spacious 3-bed, 3.5-bath layout offers ample room for hosting family or operating a high-end vacation rental. Whether you are casting lines into the crystal-clear South Toe River, relaxing on the expansive elevated deck, or enjoying the warmth of the wood-finished interior, 165 Winding Trail offers a rare lifestyle of absolute freedom, privacy, and natural beauty. Feature Highlights Premium Waterfront Location: Immediate access to top-tier trout fishing on the highly coveted South Toe River. The Land: 6 private, gently sloping acres covered in beautiful mountain hardwoods and mature canopy trees. Elite Off-Grid Infrastructure: Pure Water Source: Gravity-fed mountain spring water system supplying crisp water with natural pressure. Private septic system installed. The Cabin: Masterfully built post beam construction accented with beautiful stone work cabin featuring 3 bedrooms, 3.5 bathrooms, a dramatic vaulted porch overlooking a major bend in the South Toe River giving you panoramic views of the river, skylights, and premium elevated views.

Getting Around

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

Schools

4/10
8/10
East Yancey MiddleGrades 6-85.2 mi
5/10
Mountain Heritage HighGrades PK,9-128.9 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Slab,Stone
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,ENERGY STAR Qualified Refrigerator,Gas Range,Washer
  • Laundry features: Utility Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Window features: Skylight(s)
  • Flooring: Concrete,Stone,Tile,Wood
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 1,520

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,520
  • Total interior livable area: 1,520 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 075802657459000
  • Zoning: OU
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Rear Porch
  • Has view: Yes
  • View description: Mountain(s),Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: None,River Front
  • Waterbody name: South Toe River

Lot

  • Lot size: 6 Acres
  • Features: Private,Rolling Slope,Wooded,Other - See Remarks

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Yancey 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 $6,042$72,504
Home Insurance *$393$4,716
Property Taxes $584$7,008
Electricity $200$2,405
Total$7,219$86,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$247,508/yr
40% on housing$216,570/yr
45% on housing$192,506/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.1%
6.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$786This listing

vs Other Active Listings

Avg $/sqft

ZIP 28714$252
Yancey County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 28714
Yancey County$221

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
2026-07-03Listed for sale$1,195,000
2025-06-26Sold$2,000,000
2024-09-20Sold$40,000

For Sale by Agent

AgentShane Kamer
BrokerageBlack Bear Realty WNC

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