See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1103 River Ridge Way, Lenoir, NC, 28645

3beds
3baths
2,339sqft
$799,000
$342price/sqft
$5,004/moest. monthly cost
$200,160/yrincome needed

About This Home

Welcome to this thoughtfully appointed home that exudes casual luxury in The Coves Mountain and River Club, gem of the Blue Ridge Mountains. Everything you need and nothing you don't. This gorgeous home includes 3 bedrooms, 2 full bathrooms, over-sized half bath, and office - with the living are and primary bedroom all on the main level! It sits on 8+ gorgeous acres tucked into a set of quiet cul-de-sacs off the main road. Drink in long range views of the mountains from the salt water hot tub or your cozy private back deck and watch the birds breeze by through the abundance of lovingly planted flora and fauna. Inside you'll find stunning hickory hardwood floors throughout, soaring cedar board ceilings in the living room, and a chef's dream kitchen. GE Cafe collection oven, gas range/hood, and refrigerator gleam among the quartz countertops, and the custom tile backsplash of the range gives a wink of fun. Built in Miele coffee maker pours the perfect cappuccino every time for you to enjoy at your oversized kitchen island with extra cabinets, not that you need it with the gorgeous 42" maple surrounding the rest of the kitchen! No detail was overlooked with treats like designer paint, remote start gas logs in the stacked stone fireplace, remote blinds in living/primary, heated primary bathroom floors, custom wainscoting, solid wood doors, pella doors/windows, crown moulding and more! The home also features whole house Generac generator, tankless water heater, and whole home water filter, with an oversized 2 car garage to boot. Upstairs includes two generously sized bedrooms, a full bath, and oversized closet for seasonal storage or whatever your heart desires. Do not miss this better than new opportunity in one of the best mountain communities out there! Amenities include: Clubhouse, 30+ Interest Clubs, Gym, Pool & Hot Tub, Community Garden, Vineyard, Pickleball Court, Beach access to Johns River, Vineyard, Equestrian facilities, Dog Park, and Miles & miles of trails for walking, horses & utvs.

Getting Around

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

Schools

6/10
Collettsville SchoolGrades PK-81.3 mi
2/10
West Caldwell HighGrades 9-125.2 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Crawl Space
  • Construction materials: Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Convection Oven,Dishwasher,Exhaust Hood,Freezer,Gas Cooktop,Refrigerator,Tankless Water Heater,Wall Oven,Washer/Dryer
  • Laundry features: Mud Room,Laundry Room,Main Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Door features: Screen Door(s),Sliding Doors
  • Window features: Insulated Windows
  • Flooring: Wood
  • Fireplace features: Gas Log,Living Room
  • Attic: Walk-In
  • Finished area below ground: 0
  • Finished area above ground: 2,339

Heating & Cooling

  • Heating features: ENERGY STAR Qualified Equipment,Forced Air
  • Cooling features: Central Air,ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 2,339
  • Total interior livable area: 2,339 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0473301
  • Zoning: Rural Residential
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Deck,Rear Porch
  • Has spa: Yes
  • Spa features: Community,Heated
  • Has view: Yes
  • View description: Long Range,Mountain(s)
  • Waterfront features: Beach - Private,Paddlesport Launch Site
  • Waterbody name: Johns River

Lot

  • Lot size: 8.88 Acres
  • Features: Hilly,Rolling Slope,Wooded,Views

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Cold Wave
Landslide
Tornado
Winter Weather

FEMA Declared Disasters in Caldwell 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 $4,040$48,480
Home Insurance *$335$4,020
Property Taxes $412$4,944
Electricity $217$2,614
Total$5,004$60,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,565/yr
40% on housing$150,120/yr
45% on housing$133,440/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$342This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$168
Caldwell County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 28645$161
Caldwell County$173

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
2026-04-21Price change$799,000
2026-04-02Listed for sale$824,900
2018-09-11Sold$99,000

For Sale by Agent

AgentBecca Lutes
BrokerageKeller Williams Lake Norman

Similar Homes