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105 S Vineyard Village Dr, Old Fort, NC, 28762

3beds
2baths
1,600sqft
$415,000
$259price/sqft
$2,716/moest. monthly cost
$108,640/yrincome needed

About This Home

New construction with completion expected June 2026 in a scenic, walkable 21-lot community with stunning mountain views and fresh mountain air! Situated on a private 1.11-acre lot, this thoughtfully designed one-level home offers easy access with no steep roads or driveways and a circular drive for added convenience. Enjoy true indoor-outdoor living on the spacious covered back deck overlooking long-range mountain views—perfect for relaxing, entertaining, or simply taking in the peaceful surroundings. The gently sloped yard provides plenty of usable space for gardening, recreation, or creating a fenced area for pets. Inside, the open-concept layout features modern finishes throughout, including quartz countertops, stainless steel appliances, and shaker-style cabinetry. The primary suite offers a spacious walk-in closet and a private bath with dual vanities and a custom tile shower. Two additional bedrooms and a full hall bath provide comfort and flexibility for guests or family. Located just 5 minutes to I-40 and downtown Old Fort’s growing selection of breweries, restaurants, and shops. Outdoor adventure is right nearby with Catawba Falls up the road, Black Mountain and Marion just 15 minutes away, Asheville within 30 minutes, and Lake James only 40 minutes away. Short-term rentals are allowed, making this a great opportunity for both full-time living or investment. Buyer agents welcome. ** Interior pictures are representations **

Getting Around

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

Schools

3/10
3/10
Mcdowell High SchoolGrades 9-127.2 mi

Construction

Condition

  • Year built: 2026

Type & Style

  • Home type: SingleFamily

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total interior livable area: 1,600 sqft

Property

Details

  • Parcel number: 066800589670

Lot

  • Lot size: 1 Acres

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
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in McDowell 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 $2,098$25,176
Home Insurance *$170$2,040
Property Taxes $248$2,976
Electricity $200$2,405
Total$2,716$32,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,120/yr
40% on housing$81,480/yr
45% on housing$72,426/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$259This listing

vs Other Active Listings

Avg $/sqft

ZIP 28762$434
McDowell County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 28762$237
McDowell County$232

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
2026-05-02Listed for sale$415,000

For Sale by Owner

AgentProperty Owner

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