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295 Penland St, Clyde, NC, 28721

5beds
3baths
2,510sqft
$580,000
$231price/sqft
$3,683/moest. monthly cost
$147,320/yrincome needed

About This Home

Welcome to this beautifully crafted 2025-built 5-bedroom, 3-bathroom home in the heart of Clyde, NC, just 5 minutes from I-40, offering the perfect blend of convenience and peaceful mountain living. Step inside to an inviting open-concept floor plan featuring 16-foot vaulted ceilings in the main living area. French doors and expansive windows also fill the main living area and kitchen with abundant natural light, creating a bright and welcoming space for everyday living and entertaining. The beautifully designed kitchen features granite countertops, a large island, and quality finishes throughout, including the pine tongue and groove ceiling that runs from the kitchen to the living room. Step through those beautiful French doors onto the covered back porch overlooking the gently sloping backyard and garden beds, where you can relax and enjoy the beauty of every season in Western North Carolina. Warm wood trim throughout the home enhances its inviting mountain charm while complementing the home's modern craftsmanship. On the main-level you will find the primary suite offers the ease of one-level living with a spacious walk-in closet and a private en-suite bathroom. You will also find two additional bedrooms and a full bathroom, providing plenty of space for family or guests. Just off the main entrance, the conveniently located mudroom/laundry room adds everyday functionality. The finished basement boasts impressive 10-foot ceilings and offers a versatile second living area that is perfect for a family room, recreation space, home office, or guest retreat. Two additional bedrooms and a full bathroom complete the basement level, while direct access to the backyard creates a seamless indoor-outdoor living experience. Designed with comfort, style, and functionality in mind, this exceptional home offers quality finishes, a thoughtfully designed layout, and an unbeatable location. Don't miss your opportunity to own this beautiful home and enjoy everything mountain living has to offer. The house is located 15 minutes from downtown Waynesville, 32 minutes from downtown Asheville, and 30 minutes from the Town of Sylva.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
Clyde ElementaryGrades PK-51.3 mi
8/10
Canton MiddleGrades 6-84.2 mi
7/10
Pisgah HighGrades 9-124.4 mi

Construction

Condition

  • Year built: 2025

Materials

  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator with Ice Maker,Washer/Dryer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Interior Entry,Walk-Out Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Basement

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Open Floorplan,Walk-In Closet(s)
  • Door features: French Doors
  • Flooring: Concrete,Linoleum,Vinyl
  • Finished area below ground: 1,235
  • Finished area above ground: 1,275

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,275
  • Total interior livable area: 2,510 sqft

Kitchen

  • Features: Kitchen Island
  • Level: Main

Laundry

  • Level: Main

Living Room

  • Features: Open Floorplan,Vaulted Ceiling(s)
  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 8637534045
  • Zoning: R-1A
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Rear Porch

Lot

  • Lot size: 0.39 Acres

Parking

  • Parking features: Driveway,Parking Space(s)
  • 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
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Landslide
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Haywood 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 $2,932$35,184
Home Insurance *$203$2,436
Property Taxes $315$3,780
Electricity $233$2,805
Total$3,683$44,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,274/yr
40% on housing$110,490/yr
45% on housing$98,213/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 28721$214
Haywood County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 28721$228
Haywood County$246

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
2026-08-02Listed for sale$580,000
2024-05-22Sold$35,000

For Sale by Agent

AgentMadison Rogers
BrokerageCENTURY 21 Mountain Lifestyles

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