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2202 Old 16 Highway, Jefferson, NC, 28640

3beds
2baths
1,104sqft
$250,000
$226price/sqft
$1,655/moest. monthly cost
$66,200/yrincome needed

About This Home

Discover the perfect blend of comfort, convenience, and mountain charm in this beautifully maintained 3-bedroom, 2-bath ranch home, ideally situated on a 0.487-acre wooded setting. Designed for effortless one-level living, this inviting property offers a spacious and flowing layout that’s perfect for both everyday living and entertaining. The heart of the home features a thoughtfully designed kitchen complete with stainless steel appliances, a built-in bar for casual dining, and a seamless connection to the dining area and expansive living room. Natural light pours in, including picturesque views of the surrounding woods right from your kitchen window. Inside, you’ll find a warm and welcoming atmosphere with low-maintenance laminate flooring in the main living areas and cozy carpeting in the bedrooms and living room. A generously sized laundry room adds everyday convenience, while the attached one-car garage and separate outbuilding provide excellent storage options. Step outside to enjoy true mountain living—relax on the covered front porch, perfect for rocking chairs and morning coffee, or unwind in the level, tree-shaded yard surrounded by mature landscaping, including a beautiful butterfly bush that attracts nature’s charm. Located just minutes from shopping, medical facilities, and only 1.3 miles from Ashe County Park, this home offers the tranquility of a private retreat with the convenience of nearby amenities. With efficient electric ETS and baseboard heating for year-round comfort, this property is the ideal place to call home or your mountain escape. Experience the lifestyle you’ve been dreaming of—peaceful, scenic, and effortlessly comfortable.

Getting Around

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

Schools

8/10
Mountain View ElementaryGrades PK-61.0 mi
10/10
Ashe County MiddleGrades 7-83.3 mi
3/10
Ashe County HighGrades 9-123.8 mi

Construction

Condition

  • Year built: 1979

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farmhouse,Ranch
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Range,Electric Water Heater,Microwave Hood Fan,Microwave,Refrigerator,Washer
  • Laundry features: Washer Hookup,Dryer Hookup,Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,104

Heating & Cooling

  • Heating features: Baseboard,Electric,Other,See Remarks
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,104
  • Total interior livable area: 1,104 sqft

Property

Details

  • Parcel number: 092978794719

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Exterior features: Out Building(s),Gravel Driveway
  • Has view: Yes
  • View description: Mountain(s),Seasonal View

Lot

  • Lot size: 0.49 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage,One Car Garage,Gravel,Private
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Ashe 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 $1,264$15,168
Home Insurance *$96$1,152
Property Taxes $95$1,140
Electricity $200$2,405
Total$1,655$19,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,742/yr
40% on housing$49,650/yr
45% on housing$44,133/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: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 28640$240
Ashe County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 28640
Ashe 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)

Price History

DateEventPrice
2026-04-01Listed for sale$269,000
2026-04-01Listing removed$279,000
2025-07-23Price change$279,000
2025-07-03Listed for sale$299,000

For Sale by Agent

AgentBeverly Black
BrokerageAshe County Realty

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