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160 Stonefly Trail, Banner Elk, NC, 28604

1beds
1baths
592sqft
$599,000
$1,012price/sqft
$3,577/moest. monthly cost
$143,080/yrincome needed

About This Home

Step into the enchanting world of Hook, Wine, and Sinker! Nestled in the heart of Fish Camp, a maintenance-free section at The Lodges at Eagles Nest in Banner Elk, this charming one-bedroom haven beckons with its seamless accessibility and the added allure of premium community amenities. The maintenance-free lifestyle handles lawn mowing and the shared well system, allowing you to spend your days exploring the great outdoors rather than managing property upkeep. You will enjoy direct access to the famous Elk River for world-class trout fishing, miles of scenic hiking trails, UTV riding areas, and community gathering spots. All of this mountain seclusion is situated just a delightful five-minute drive to the picturesque, vibrant downtown Banner Elk, where local dining, shopping, and seasonal festivals await. Discover the cozy elegance of this petite gem, boasting a warm, inviting living room adorned with a gas log fireplace that fills the space with a comforting glow. This central living area features a generously sized flat-screen television and sumptuous seating, including a plush sofa and a relaxing recliner, creating a wonderful environment for winding down after a day of mountain adventures. The kitchen serves as a highly functional culinary haven, showcasing sleek stainless steel appliances, beautiful cabinetry, and ample counter space that effortlessly elevates your daily cooking experience. Moving into the bathroom, you will find a sanctuary of luxury featuring a stunningly tiled walk-in shower, modern fixtures, and elegant granite countertops that add a touch of sophistication to your daily routine. The bedroom exudes deep comfort and timeless style, offering a regal queen-size bed accompanied by its own television and a spacious dresser for all your storage needs. An additional twin bed provides excellent layout versatility for guests or family, while direct deck access allows you to seamlessly blend indoor and outdoor living. Step outside to immerse yourself in the surrounding natural beauty and crisp mountain air. Indulge in quiet moments of serenity on the deck's inviting seating, or showcase your culinary prowess using the premium Weber grill for weekend barbecues. Whether you are searching for a serene mountain escape, a lucrative vacation rental property, or a simplified full-time residence, this exceptional cabin delivers an unparalleled Blue Ridge experience. Enjoy the harmonious blend of rustic charm, upscale finishes, and effortless living in one of the High Country's most sought-after communities.

Getting Around

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

Schools

8/10
5/10
Cranberry Middle SchoolGrades 6-83.5 mi
3/10
Avery County High SchoolGrades 9-127.3 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Metal
  • Construction materials: Stone,Wood Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mountain
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Cooktop,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Furnished,Vaulted Ceiling(s),Window Treatments
  • Window features: Window Treatments
  • Fireplace features: Stone
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 592

Heating & Cooling

  • Heating features: Electric,Forced Air,Propane
  • Cooling features: 1 Unit

Interior Area

  • Total structure area: 592
  • Total interior livable area: 592 sqft

Property

Details

  • Parcel number: 18490304597000000

Features

  • Levels: One
  • Stories: 1
  • Waterfront features: Pond

Lot

  • Lot size: 0.76 Acres

Parking

  • Parking features: Driveway
  • 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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding
Ice Storm
Strong Wind
Hail
Landslide
Tornado
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 $3,028$36,336
Home Insurance *$160$1,920
Property Taxes $189$2,268
Electricity $200$2,405
Total$3,577$42,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,640/yr
40% on housing$107,310/yr
45% on housing$95,386/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

$1,012This listing

vs Other Active Listings

Avg $/sqft

ZIP 28604$294
Avery County$289

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)

Price History

DateEventPrice
2026-08-10Price change$560,000
2026-06-05Listed for sale$599,000

For Sale by Agent

AgentAllison Schoen
BrokerageElevate Land & Realty Banner Elk

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