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

14 Rivendell Way, Hayesville, NC, 28904

5beds
4baths
--sqft
$525,000
--price/sqft
$3,273/moest. monthly cost
$130,920/yrincome needed

About This Home

Comfortable Riverfront Retreat in the NC Mountains! Imagine waking up to the soothing sounds of the river & breathtaking view. Located on the banks of the Hiawassee River, this property offers a blend of tranquil retreat & modern convenience, making it the perfect getaway as a 2nd home or a multi-generational living space. Built w/ an emphasis on space & comfort, this home welcomes you w/ a great room w/ soaring cathedral ceilings w/ exposed beams & a cozy wood stove—ideal for those chilly mountain evenings. Entertain w/ ease in the formal dining room or prepare a meal in the cheerful kitchen, which features marble & solid surface countertops & stainless steel appliances. For indoor-outdoor living, step onto the screened-in deck, perfect for sipping coffee as the sun rises, or enjoy a summer barbecue on the open-air deck. The master suite is a sanctuary unto itself, offering a spacious bedroom w/ a vaulted ceiling, a private sitting room for moments of solitude, & a master bath w/ a jetted tub & a walk-in shower. This property can comfortably accommodate guests or family w/ additional features such as 1 guest bedroom & a bathroom on the upper level, along w/ an office & a generous sitting area. The lower level presents a cozy living room, 2 bedrooms, a bathroom & access to another deck. Beyond its beauty & serenity, this home is equipped for everyday practicality w/ an oversized 2 car garage & a laundry room. The property is not only an oasis in itself but also sits in a prime location, offering peaceful walks along the river. The Hiawassee River offers recreational opportunities such as kayaking or fishing, right from your doorstep. Whether you're looking for a personal retreat, a space to gather family, or a 2nd abode in a picturesque location, this property represents an opportunity. Don't miss the chance to experience the peace & tranquility that this riverside gem has to offer. PLUS enjoy the community riverside common area with picnic area & a launch area.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

7/10
Hayesville ElementaryGrades 3-52.4 mi
3/10
Hayesville MiddleGrades 6-82.4 mi
5/10
Hayesville HighGrades 9-122.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1990

Materials

  • Roof: Shingle
  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Microwave,Dryer
  • Laundry features: Main Level,See Remarks,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • Partial bathrooms: 1

Features

  • Cathedral Ceiling(s),Sheetrock
  • Flooring: Wood,Carpet
  • Fireplace features: None

Heating & Cooling

  • Heating features: Heat Pump,Electric,Wood Stove
  • Cooling features: Central Air,Electric

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 555100561996

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Screened,Deck,Covered,Open
  • Exterior features: Garden
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Mountain(s),River
  • Has water view: Yes
  • Water view: River
  • Waterfront features: River Front
  • Frontage type: Road,River
  • Topography of land: Rolling

Lot

  • Lot size: 0.96 Acres

Parking

  • Parking features: Garage,Gravel
  • Has garage: Yes
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Clay 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 $2,654$31,848
Home Insurance *$218$2,616
Property Taxes $201$2,412
Electricity $200$2,405
Total$3,273$39,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,217/yr
40% on housing$98,190/yr
45% on housing$87,280/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 28904$208
Clay County$370

vs Homes Sold Last Month

Median $/sqft

ZIP 28904
Clay County$184

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
2026-05-08Price change$555,000
2026-04-09Price change$560,000
2026-03-03Price change$570,000
2026-02-04Price change$575,000
2025-10-04Price change$580,000
2025-05-16Price change$600,000
2025-04-11Price change$620,000
2025-04-04Price change$621,000
2025-03-31Price change$622,000
2025-03-21Price change$623,000
2025-03-14Price change$624,000
2024-11-05Listed for sale$625,000

For Sale by Agent

AgentJames Rick Andrews, Century 21 Black Bear Realty
BrokerageCentury 21 Black Bear Realty

Similar Homes