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303 Sugar Top Drive #2811, Banner Elk, NC, 28604

2beds
2baths
963sqft
$259,900
$270price/sqft
$1,663/moest. monthly cost
$66,520/yrincome needed

About This Home

Eighth floor sunsets! This immaculate unit has new paint, flooring, kitchen counters, furnishings, and bedding – everything is brand new, right down to the window treatments! Stunning views in every direction make this patio amazing and the mountain views from inside are gorgeous! Fully furnished and ready for you to enjoy this summer, this one has it all! Sugar Top is a gated community with 24-hour security, a 24-hour front desk, a swimming pool, jacuzzis, a fitness center, a steam room, a sauna, locker rooms, mail and package service, an open-air pantry, and a new pub all in the building. Nothing beats the views and conveniences of Sugar Top and this residence is gorgeous. Just minutes from golf, tennis, skiing, tubing, ice skating, hiking, shopping, dining, and everything else the area has to offer – and there's a free shuttle to the slopes!

Getting Around

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

Schools

7/10
2/10
Avery MiddleGrades 6-84.6 mi
4/10
Avery County High SchoolGrades 9-124.7 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Slab
  • Roof: Other,See Remarks
  • Construction materials: Concrete,Steel Frame

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Electric Water Heater,Disposal,Microwave,Refrigerator,Washer
  • Laundry features: Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Tray Ceiling(s),Furnished
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 963

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 963
  • Total interior livable area: 963 sqft

Property

Details

  • Parcel number: 18571025659402811
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Patio & porch: Covered
  • Exterior features: Hot Tub/Spa,Pool,Paved Driveway
  • Has spa: Yes
  • Spa features: Sauna
  • Has view: Yes
  • View description: Long Range

Parking

  • Parking features: Driveway,No Garage,Paved,Private
  • 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 FloodingVery High
  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Landslide
    LandslideRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Avery 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 $1,314$15,768
Home Insurance *$69$828
Property Taxes $80$960
Electricity $200$2,405
Total$1,663$19,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,017/yr
40% on housing$49,890/yr
45% on housing$44,346/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 28604$296
Avery County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28604$365
Avery County$290

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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$259,900
2024-06-25Listed for sale$279,900

For Sale by Agent

AgentLynne Lear
BrokerageThe Lear Group Real Estate

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