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1387 River Club Ridge, Lenoir, NC, 28645

3beds
3baths
2,063sqft
$677,900
$329price/sqft
$4,266/moest. monthly cost
$170,640/yrincome needed

About This Home

New construction 3 Bedroom 2-1/2 bath home with fantastic long range views, at The Coves Mountain River Club. Built by Moss Marlow Building Co. The Cottages at The Coves is a cluster of 12 patio homes, located just below the clubhouse. This home is one of two remaining lots at The Cottages. Ensuite Primary Bedroom and laundry on main level. Open concept living room and kitchen with beautiful stone fireplace and a large kitchen island. The screened porch is a sweet spot to relax and take in views across the valley to mountains beyond. Upstairs, 2 BR, 1 BA. Enjoy views from anywhere in the home, including the screened porch and large concrete deck facing the dramatic views. Lawn maintenance at The Cottages is included with your annual HOA fee. Walk to the clubhouse, only 400 yards away via Overlook trail. The Coves is a 3,200 acre gated community in the Blue Ridge Mountains of North Carolina. There are miles of community trails to hike, bike, ride horses, or UTVs. There are 5 miles of frontage on the Johns River, with areas to put in and take out your kayak, wade and fish, picnic, or gather round a stone fire pit. The crown jewel of The Coves is the magnificent post and beam constructed clubhouse, Pisgah Lodge, located on one of the highest peaks. There, you'll enjoy a saline pool, fitness center, locker rooms, full kitchen, lending library, pool table, fire pits, wrap around porches, decks, and overlooks to take in 360º views of the Blue Ridge Mountains, South Mountains, and Brushy Mountains. The Coves is a Dark Sky Community, which minimizes light pollution and provides breathtaking star-gazing. Down by the river you can garden your personal plot at the Community Garden or join your neighbors to care for and harvest the community cooperative vineyard. Pickle-ball and shuffleboard courts, putting green, and a picnic pavilion are located at another Coves's park, Wyatt's Landing. Additional amenities include 2 Equestrian Centers and a Dog Park. Join your neighbors for social events, excursions, hiking, travel, yoga. *500K acre Pisgah National Forest and the Wilson Creek Wild and Scenic River Area are across the road! 1.25 hour drive to Charlotte or Asheville, minutes to Lenoir, Blowing Rock, Morganton, and the Blue Ridge Parkway. *****This home is the next to the last patio home build at The Coves. The last will be Lot C6, which is the same plan with the exception of a walkout basement instead of a second story. Lot C6 is also available - Canopy MLS # 4291006.

Getting Around

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

Schools

6/10
Collettsville SchoolGrades PK-82.4 mi
2/10
West Caldwell HighGrades 9-123.2 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Architectural,Shingle
  • Construction materials: Hardboard,Other,Stone,See Remarks

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Fireplace features: Gas,Vented
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,063

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,063
  • Total interior livable area: 2,063 sqft

Property

Details

  • Parcel number: 2709735034

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Other,See Remarks
  • Waterfront features: Pond

Lot

  • Lot size: 4,791 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete,Driveway,Garage,One Car Garage
  • 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

  • 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 $3,427$41,124
Home Insurance *$285$3,420
Property Taxes $354$4,248
Electricity $200$2,405
Total$4,266$51,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,262/yr
40% on housing$127,980/yr
45% on housing$113,760/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

$329This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$168
Caldwell County$192

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
2026-04-29Price change$677,900
2025-07-08Price change$679,900
2024-07-03Listed for sale$684,900

For Sale by Agent

AgentJennifer Shattuck
BrokerageArrow Realty & Land Development

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