




21 Swift Stream Ln, Waynesville, NC, 28785
About This Home
Enjoy the rare opportunity to own a beautiful mountain creekfront property paired with an immaculate one-level home built in 2023. Offering 3 bedrooms, 2 baths, and approximately 1,680 square feet, this Energy Smart home has been thoughtfully designed for comfort, convenience, and easy mountain living—all set along a bold, trout-filled creek flowing through the scenic Cove Creek community of Haywood County. This mountain creek eventually feeds into the larger waterways of the Pigeon River, creating a peaceful natural setting right in your own backyard. Inside, you’ll find an inviting open floor plan with a split-bedroom layout, enhanced by soaring 10-foot ceilings, crown molding, and a spacious airy feel throughout. The living area is centered around a striking stone wood-burning fireplace with built-in shelving, creating a warm and welcoming focal point for relaxing evenings or gathering with family and friends. The kitchen offers generous cabinet space and flows seamlessly into the dining and living areas, making everyday living and entertaining easy and enjoyable. The primary suite serves as a comfortable private retreat, complete with an ensuite bath featuring a large walk-in shower. Additional highlights include a well-insulated detached two-car garage, storage building, and durable metal roof designed for low-maintenance living. Step outside onto the generous covered back porch overlooking the bold flowing creek that runs along the entire backyard. Whether enjoying your morning coffee, casting a line in the trout waters, entertaining guests, or simply taking in the soothing sounds of the water and surrounding mountain scenery, this outdoor space invites you to slow down and savor the beauty around you. Located in a private community, the property allows both short-term and long-term rentals, offering excellent flexibility as a full-time residence, mountain getaway, or investment opportunity. Conveniently located with easy access to major highways and nearby amenities, you’re just minutes from Maggie Valley, downtown Waynesville, and Cherokee, with Asheville approximately 30 minutes away via I-40.
Getting Around
Schools
Construction
Condition
- Year built: 2023
Materials
- Foundation: Crawl Space
- Construction materials: Fiber Cement
Type & Style
- Home type: SingleFamily
- Property subType: Modular
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Plumbed For Ice Maker,Refrigerator with Ice Maker,Self Cleaning Oven,Washer/Dryer
- Laundry features: Electric Dryer Hookup,Mud Room,Inside,Main Level,Sink,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 3
Dining Area
- Level: Main
Features
- Breakfast Bar,Kitchen Island,Open Floorplan
- Door features: Sliding Doors,Storm Door(s)
- Window features: Insulated Windows
- Flooring: Vinyl
- Fireplace features: Living Room,Wood Burning
- Finished area below ground: 0
- Finished area above ground: 1,680
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 1,680
- Total interior livable area: 1,680 sqft
Kitchen
- Features: Breakfast Bar,Kitchen Island,Open Floorplan,Split BR Plan
- Level: Main
Laundry
- Level: Main
Living Room
- Features: Ceiling Fan(s),Open Floorplan
- Level: Main
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 8609885989
- Zoning: res
- Special condition: Standard
- Exclusions: Hanging light in bedroom
Features
- Levels: One
- Stories: 1
- Patio & porch: Awning(s),Covered,Rear Porch
- Has view: Yes
- View description: Mountain(s),Water,Year Round
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: None,Creek
Lot
- Lot size: 0.83 Acres
- Features: Flood Fringe Area,Flood Plain/Bottom Land,Level,Private
Parking
- Total spaces: 4
- Parking features: Detached Garage,Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered 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
- Inland Flooding
- Landslide
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Haywood 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 | $2,149 | $25,788 |
| Home Insurance * | $144 | $1,728 |
| Property Taxes | $250 | $3,000 |
| Electricity | $200 | $2,405 |
| Total | $2,743 | $32,916 |
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 |
|---|---|---|
| 2026-04-10 | Listed for sale | $445,000 |
| 2025-11-16 | Listing removed | $435,000 |
| 2025-08-15 | Price change | $435,000 |
| 2025-06-11 | Price change | $459,000 |
| 2025-03-10 | Price change | $475,000 |
| 2025-02-26 | Listed for sale | $499,999 |
| 2022-06-15 | Sold | $58,000 |
| 2022-04-25 | Contingent | $60,000 |
| 2022-03-21 | Listed for sale | $60,000 |
| 2021-08-06 | Sold | $55,000 |
| 2020-07-20 | Sold | $30,000 |
| 2007-04-03 | Sold | $55,000 |
| 2005-11-14 | Sold | $108,500 |
