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1747 University Heights Rd, Cullowhee, NC, 28723

4beds
3baths
2,494sqft
$525,000
$211price/sqft
$3,194/moest. monthly cost
$127,760/yrincome needed

About This Home

Tucked away on a scenic rolling lot near the Tuckaseegee River and Western Carolina University, this charming 4 bedroom, 3 bath brick home offers space, comfort, and a location that's hard to beat. Spend your mornings sipping coffee on the spacious back deck, host summer cookouts with friends, or simply enjoy the peaceful setting that surrounds you. Inside, you'll find inviting living spaces filled with warmth and character, along with beautifully updated bathrooms that blend modern style with everyday comfort. The flexible layout provides room to gather, room to relax, and room to grow, making it ideal for full-time living or multi generational living. With its timeless brick exterior, generous yard, and convenient proximity to campus, dining, recreation, and the river, this property captures the best of Cullowhee living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

2/10
Cullowhee Valley SchoolGrades PK-82.5 mi
9/10
6/10
Smoky Mountain HighGrades 9-122.0 mi

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Brick Partial

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Oven,Refrigerator,Washer,Washer/Dryer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Daylight,Interior Entry

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Fireplace features: Den
  • Finished area below ground: 813
  • Finished area above ground: 1,681

Heating & Cooling

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

Interior Area

  • Total structure area: 1,681
  • Total interior livable area: 2,494 sqft

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 7650303730
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Patio & porch: Deck

Lot

  • Lot size: 0.86 Acres
  • Features: Rolling Slope

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Ice Storm
Strong Wind
Tornado
Winter Weather
Drought
Earthquake
Hail

FEMA Declared Disasters in Jackson 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 $2,654$31,848
Home Insurance *$161$1,932
Property Taxes $147$1,764
Electricity $232$2,787
Total$3,194$38,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,508/yr
40% on housing$95,820/yr
45% on housing$85,173/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: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 28723$312
Jackson County$444

vs Homes Sold Last Month

Median $/sqft

ZIP 28723$361
Jackson County$377

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
2026-06-10Listed for sale$525,000

For Sale by Agent

AgentMelissa Rogers
BrokerageKeller Williams Great Smokies

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