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21 Swift Stream Ln, Waynesville, NC, 28785

3beds
2baths
1,680sqft
$425,000
$253price/sqft
$2,743/moest. monthly cost
$109,720/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

9/10
4/10
Waynesville MiddleGrades 6-88.2 mi
7/10
Tuscola HighGrades 9-126.5 mi

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
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • 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 $2,149$25,788
Home Insurance *$144$1,728
Property Taxes $250$3,000
Electricity $200$2,405
Total$2,743$32,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,045/yr
40% on housing$82,290/yr
45% on housing$73,146/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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 28785$167
Haywood County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 28785$243
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
2026-04-10Listed for sale$445,000
2025-11-16Listing removed$435,000
2025-08-15Price change$435,000
2025-06-11Price change$459,000
2025-03-10Price change$475,000
2025-02-26Listed for sale$499,999
2022-06-15Sold$58,000
2022-04-25Contingent$60,000
2022-03-21Listed for sale$60,000
2021-08-06Sold$55,000
2020-07-20Sold$30,000
2007-04-03Sold$55,000
2005-11-14Sold$108,500

Coming Soon

AgentJudy Meyers
BrokerageRE/MAX Executive

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