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26 S Cumberland Dr, Lake Toxaway, NC, 28747

2beds
2baths
662sqft
$325,000
$491price/sqft
$2,176/moest. monthly cost
$87,040/yrincome needed

About This Home

Welcome to this 2023 park model home located in the highly sought-after Westridge neighborhood. This fully furnished(few exceptions) retreat offers a perfect blend of comfort, style, and functionality making it an ideal short-term rental investment or a luxurious personal getaway. Vaulted ceilings that carry seamlessly from the living area onto the charming front porch, creating an open and airy ambiance. Spacious loft bedroom, a modern full bath, and a bright living room centered around a cozy gas fireplace.The kitchen is a chef’s dream, featuring sleek stainless steel appliances, ample counter space, and custom built-in storage throughout the home, offering both convenience and elegance. Out back,enjoy a generous private deck, perfect for entertaining or relaxing while taking in the serene surroundings. Below,a versatile guest bedroom/full bath & garage provide extra space for visitors, storage, or even a private retreat. Call today for a showing!

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

3/10
T C Henderson ElementaryGrades PK-52.9 mi
8/10
Rosman MiddleGrades 6-86.8 mi
7/10
Rosman HighGrades 9-126.8 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Log,Wood

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Cabin
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Cooktop,Microwave,Refrigerator,Washer,Washer/Dryer
  • Laundry features: Lower Level,Main Level

Basement

  • Basement: Other

Bathroom Full

  • Level: 2nd Living Quarters

Bedroom S

  • Level: 2nd Living Quarters

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 1

Features

  • Total Primary Heated Living Area: 530
  • Flooring: Wood
  • Fireplace features: Family Room,Gas,Propane
  • Finished area below ground: 0
  • Finished area above ground: 530

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 530
  • Total interior livable area: 662 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 8522312100000
  • Zoning: none
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Screened
  • Has view: Yes
  • View description: Mountain(s)
  • Waterfront features: None

Lot

  • Lot size: 0.08 Acres
  • Features: Cleared,Level,Paved

Parking

  • Total spaces: 1
  • Parking features: Driveway,Golf Cart Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Landslide
Lightning

FEMA Declared Disasters in Transylvania County and North Carolina

Fire
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 $1,643$19,716
Home Insurance *$137$1,644
Property Taxes $196$2,352
Electricity $200$2,405
Total$2,176$26,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,605/yr
40% on housing$65,280/yr
45% on housing$58,026/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$491This listing

vs Other Active Listings

Avg $/sqft

ZIP 28747$616
Transylvania County$349

vs Homes Sold Last Month

Median $/sqft

ZIP 28747$377
Transylvania County$291

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
2026-04-01Listed for sale$349,000
2026-01-01Listing removed$375,000
2025-09-22Price change$375,000
2025-07-17Price change$399,900
2025-07-10Price change$425,000
2025-06-16Price change$449,000
2025-06-04Price change$465,000
2025-05-23Listed for sale$495,000
2021-01-29Sold$100,000
2011-07-08Sold$85,000

For Sale by Agent

AgentCynthia Petit
BrokeragePetit Properties Inc

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