201 Bertie Lane, Jefferson, NC, 28640
About This Home
Cute cottage now available in a great Jefferson location, just minutes from grocery stores, shopping, dining, and other conveniences. Built in 2015, this charming one-bedroom, one-bath home sits on .87 acres and offers a peaceful setting with both mountain and pastoral views. Enjoy the covered front deck, private well and septic, and the comfort of a manageable property with room to enjoy the outdoors. The home is currently tenant occupied, and the tenants would like to continue renting if possible, making this a great opportunity for an investment property, mountain getaway, or future full-time residence in a convenient High Country location.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2016
Materials
- Roof: Metal
- Construction materials: Fiber Cement,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Electric Cooktop,Electric Water Heater,Washer
- Laundry features: Washer Hookup,Dryer Hookup,Main Level
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Attic
- Window features: Double Hung,Double Pane Windows
- Fireplace features: None
- Finished area below ground: 0
- Finished area above ground: 686
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 686
- Total interior livable area: 686 sqft
Property
Details
- Parcel number: 092988122170
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered
- Exterior features: Gravel Driveway
- Has view: Yes
- View description: Mountain(s),Pasture
Lot
- Lot size: 0.87 Acres
Parking
- Parking features: Driveway,Gravel,Private
- 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
- Strong Wind
- Ice Storm
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Ashe 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 | $1,087 | $13,044 |
| Home Insurance * | $82 | $984 |
| Property Taxes | $87 | $1,044 |
| Electricity | $200 | $2,405 |
| Total | $1,456 | $17,472 |
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 |
|---|---|---|
| 2026-07-27 | Price change | $215,000 |
| 2026-07-13 | Listed for sale | $228,500 |
| 2022-03-23 | Sold | $159,000 |
| 2022-03-11 | Contingent | $159,000 |
| 2022-03-09 | Listed for sale | $159,000 |
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