2004 Fergusons Folly Dr, Nebo, NC, 28761
About This Home
Rustic modern cottage in the 1780 subdivision on Lake James offering privacy, acreage, and premier community amenities. Situated on over 2.5 acres, this 3BR/2BA home blends warm wood accents with clean modern design. One level living and an open-concept layout make it ideal for gathering and entertaining.. Outdoor living shines with a covered pavilion featuring a fireplace, plus a separate fire pit area for evenings under the stars. Includes a deeded boat slip(H1 at Cornwallis docks) for easy lake access and a detached garage for additional storage, vehicles, or lake toys along with covered ATV parking. Conveniently located near Lake James State Park and Fonta Flora Brewery at Whippoorwill Farm with easy access to I-40. Property includes membership to Camp Lake James with access to pickleball courts, resort size pool, hot tub, and social hall with dining and events.Close to miles of trails for the outdoor enthusiast. Ideal as a full-time residence, vacation retreat, or investment opportunity(this property does NOT allow STR) in one of Lake James’ most sought-after communities. Lake days. Cozy nights by the fire. Space to breathe….
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2017
Materials
- Foundation: Crawl Space
- Construction materials: Stone Veneer,Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Electric Water Heater,Exhaust Hood,Gas Range,Microwave,Refrigerator,Washer/Dryer
- Laundry features: Laundry Closet,Main Level
Bathroom Full
- Level: Main
Bathroom Full
- Level: Main
Bedroom S
- Level: Main
Bedroom S
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 3
Dining Area
- Level: Main
Features
- Door features: Sliding Doors
- Window features: Window Treatments
- Flooring: Bamboo,Tile
- Fireplace features: Fire Pit,Outside,Wood Burning
- Finished area below ground: 0
- Finished area above ground: 1,646
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 1,646
- Total interior livable area: 1,646 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Primary Bedroom
- Features: En Suite Bathroom,Vaulted Ceiling(s)
- Level: Main
- Area: 227.8789
- Dimensions: 13' 8" X 16' 8"
Property
Details
- Parcel number: 57324
- Zoning: CD-E-CD
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: Community
- Patio & porch: Covered,Front Porch,Porch,Rear Porch,Other
- Spa features: Community
- Waterfront features: Boat Slip (Deed)
- Waterbody name: Lake James
Lot
- Lot size: 2.58 Acres
- Features: Corner Lot,Level,Private,Wooded
Parking
- Total spaces: 2
- Parking features: Driveway,Detached Garage,Other - See Remarks,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
- Ice Storm
- Lightning
- Cold Wave
- Landslide
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Burke County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,778 | $57,336 |
| Home Insurance * | $277 | $3,324 |
| Property Taxes | $480 | $5,760 |
| Electricity | $200 | $2,405 |
| Total | $5,735 | $68,820 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-02 | Listed for sale | $995,000 |
For Sale by Agent
View on Zillow