286 Holmstead Dr, Lake Lure, NC, 28746
About This Home
LAKE LURE PRIVATE LAKEFRONT ESTATE sitting on 2.82 acres, surrounded by spectacular mountain and lake view. This fully furnished 3700 sq ft, 5 bedroom, 4 1/2 bath, lakefront, log home features 24 ft ceilings, massive stone fireplace, huge decks and plenty of parking.....a rare find around Lake Lure. This incredible property is ideal for a large family that enjoys having friends over! There is an additional building site by the lake if you want to add a guest house! Offered at $2,300,000.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2019
Materials
- Roof: Metal
- Construction materials: Log,Stone,Wood
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Bar Fridge,Convection Oven,Dishwasher,Dryer,Electric Water Heater,Gas Cooktop,Microwave,Refrigerator,Wall Oven,Washer,Washer/Dryer
- Laundry features: In Basement,Main Level
Basement
- Has basement: Yes
- Basement: Finished,Storage Space,Walk-Out Access
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Basement
Bathroom Half
- Level: Main
Bedroom S
- Level: Upper
Bedroom S
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Dining Area
- Level: Main
Family Room
- Level: Basement
Features
- Breakfast Bar,Soaking Tub,Kitchen Island,Open Floorplan,Walk-In Closet(s)
- Flooring: Tile,Wood
- Fireplace features: Family Room,Gas Log,Living Room
- Finished area below ground: 1,419
- Finished area above ground: 2,281
Heating & Cooling
- Heating features: Electric,Heat Pump,Propane
- Cooling features: Ceiling Fan(s),Central Air,Electric,Heat Pump
Interior Area
- Total structure area: 2,281
- Total interior livable area: 3,700 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Laundry
- Level: Basement
Living Room
- Level: Main
Other
- Level: Basement
Other
- Level: Basement
Other
- Level: Upper
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 1640748
- Zoning: R1D
- Special condition: Standard
- Other equipment: Generator
- Exclusions: see attachments
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Covered,Deck,Front Porch,Rear Porch
- Exterior features: Fire Pit
- Has spa: Yes
- Spa features: Heated
- Has view: Yes
- View description: Mountain(s),Water,Year Round
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Beach - Public,Boat Ramp – Community,Paddlesport Launch Site - Community,Dock,Waterfront
- Waterbody name: Lake Lure
Lot
- Lot size: 2.82 Acres
- Features: Level,Paved,Sloped,Views
Parking
- Parking features: Driveway
- 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
- Ice Storm
- Strong Wind
- Cold Wave
- Landslide
- Lightning
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Rutherford 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 | $11,630 | $139,560 |
| Home Insurance * | $733 | $8,796 |
| Property Taxes | $1,570 | $18,840 |
| Electricity | $344 | $4,135 |
| Total | $14,277 | $171,324 |
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 |
|---|---|---|
| 2026-04-06 | Listed for sale | $2,300,000 |
| 2025-11-16 | Listing removed | $2,300,000 |
| 2025-10-02 | Listed for sale | $2,300,000 |
| 2021-06-25 | Sold | $1,795,000 |
| 2021-05-08 | Contingent | $1,695,000 |
| 2021-05-06 | Listed for sale | $1,695,000 |
| 2011-06-22 | Sold | $25,000 |
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