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414 Elk Horn Road, Ferguson, NC, 28624

3beds
2baths
2,460sqft
$735,000
$299price/sqft
$4,525/moest. monthly cost
$181,000/yrincome needed

About This Home

Just REDUCED for Spring!! Stunning Nearly New Mountain Home with Breathtaking Sunrise Views Nestled within the gated community of Leatherwood Mountains, this beautiful home—less than three years old—offers the perfect blend of modern comfort and mountain serenity. Perched along the top of the Elk Horn section, it captures awe-inspiring sunrise views that showcase nature at its finest. The open-concept main level is ideal for gathering and entertaining, featuring a spacious kitchen, a walk-in pantry, a welcoming great room, and three comfortable bedrooms, along with two full bathrooms. The centerpiece of this level of the home is the floor-to-ceiling stone fireplace. Imagine taking in the scenery from the wall of windows in this great room while cooking in the expansive kitchen, hanging out in the living room, or even sitting on the spacious deck. Downstairs, you’ll find two 12’ x 12’ offices on either side of a large lower-level great room—an ideal setup for remote work, hobbies, or additional living space. The laundry and utility rooms are conveniently located on this level as well. The area between these two office rooms is plenty big enough to turn into a second living room, bar, or other entertainment area. Step outside onto two expansive rear decks to take in the sweeping views and mountain air. The property features extensive landscaping, grading, and drainage improvements—many of which were updated this year—offering a strong foundation for your own finishing touches. With a Certificate of Occupancy issued in June 2023, this home feels practically brand new, having seen very little use. The current owners’ life changes have created a unique opportunity for you to complete their vision and make this mountain retreat truly your own. Opportunities abound! Enjoy the experience of a new build—without the wait. This is a quality-built home and practically a blank canvas awaiting your own touches. Schedule a time to come and see this home today so that you may begin to enjoy all that Leatherwood Mountains has to offer. Owners of this home will get to enjoy all of the amenities found here, including a community pavilion, tennis and pickleball courts, a pool, children's playground, and of course the over 50 miles of deeded horseback and hiking trails. The retail businesses at the entrance to the community feature multiple equestrian facilities, a seasonal restaurant, a guided horseback riding program, campground with trout waters, and a newly opened zipline course. With all that this property has to offer, you need to come and see it today, as it may be gone tomorrow!

Getting Around

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

Schools

4/10
Mount Pleasant ElementaryGrades PK-56.0 mi
3/10
West Wilkes MiddleGrades 6-810.9 mi
4/10
West Wilkes HighGrades 9-1210.3 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Architectural,Shingle
  • Construction materials: Hardboard,Concrete,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dryer,Dishwasher,Gas Cooktop,Gas Water Heater,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: One,Stone,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,050
  • Finished area above ground: 1,410

Heating & Cooling

  • Heating features: Forced Air,Hot Water,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,820
  • Total interior livable area: 2,460 sqft

Property

Details

  • Parcel number: 2887156218
  • Horse amenities: Horses Allowed

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Multiple,Open
  • Has view: Yes
  • View description: Long Range,Southern Exposure
  • Waterfront features: Pond

Lot

  • Lot size: 5 Acres

Parking

  • Parking features: No Garage

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
    Inland FloodingVery High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Cold Wave
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Wilkes 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 $3,716$44,592
Home Insurance *$291$3,492
Property Taxes $289$3,468
Electricity $229$2,749
Total$4,525$54,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,142/yr
40% on housing$135,750/yr
45% on housing$120,666/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$299This listing

vs Other Active Listings

Avg $/sqft

ZIP 28624$292
Wilkes County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 28624$209
Wilkes County$163

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
2026-02-13Price change$789,500
2025-11-05Listed for sale$825,000
2025-07-30Listing removed$824,500
2025-05-21Price change$824,500
2025-02-27Listed for sale$849,500
2020-07-07Sold$37,500

For Sale by Agent

AgentTrevor Whitson
BrokerageLeatherwood Mountains Homes & Sales, Llc.

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