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21 Pine Tree Cir, Asheville, NC, 28804

4beds
3baths
2,926sqft
$1,695,000
$579price/sqft
$10,892/moest. monthly cost
$435,680/yrincome needed

About This Home

This beautifully modernized 2,900-square-foot home combines classic craftsmanship with thoughtful updates. Designed for comfortable one level living, the home features four bedrooms and three-and-a-half bathrooms, along with both a formal living room and a private den—ideal for entertaining or quiet evenings by the fireplace.The updated eat-in kitchen offers modern conveniences, including a generous walk-in pantry, center island and high end appliances. Step out to the screened porch to enjoy the 1.65 acre property with serene views and a private fenced and landscaped backyard which borders a small private neighborhood lake. Cedar closets for storage, a new HVAC system and hot water heater, and an oversized detached two-car garage with workshop space and storage are just a few bonuses in this well-built, move-in-ready home in a peaceful lakeside setting in North Asheville. Understated elegance defined!

Getting Around

2
WalkingCar-Dependent
25
TransitSome Transit
30
BikeSomewhat Bikeable

Schools

4/10
Ira B Jones ElementaryGrades PK-50.7 mi
7/10
Asheville MiddleGrades 6-83.1 mi
5/10
Asheville HighGrades PK,9-124.0 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Exhaust Hood,Gas Range,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet,Main Level

Basement

  • Basement: Unfinished

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Den

  • Level: Main

Dining Room

  • Level: Main

Features

  • Kitchen Island,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry
  • Door features: French Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Wood
  • Fireplace features: Den,Living Room,Wood Burning,Other - See Remarks
  • Finished area below ground: 0
  • Finished area above ground: 2,926

Heating & Cooling

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

Interior Area

  • Total structure area: 2,926
  • Total interior livable area: 2,926 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 974013823800000
  • Zoning: RS4
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Fencing: Back Yard,Fenced,Partial
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Other - See Remarks,Pond

Lot

  • Lot size: 1.65 Acres
  • Features: Cul-De-Sac,Green Area,Pond(s),Sloped,Wooded

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Garage Faces Front,Garage Shop,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Buncombe 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 $8,570$102,840
Home Insurance *$495$5,940
Property Taxes $1,555$18,660
Electricity $272$3,270
Total$10,892$130,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$373,440/yr
40% on housing$326,760/yr
45% on housing$290,453/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$579This listing

vs Other Active Listings

Avg $/sqft

ZIP 28804$389
Buncombe County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28804$307
Buncombe County$278

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
2026-04-15Listed for sale$1,695,000
2016-11-30Sold$80,000
2016-05-11Sold$15,000
2013-03-07Sold$441,350

For Sale by Agent

AgentLeNoir Medlock
BrokeragePreferred Properties

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