39M-40M Ridges Overlook #39-40, Hayesville, NC, 28904
About This Home
Lots located in Mountain Harbour, a beautiful gated golf community. This vibrant community nestled in the mountains offers an 18 hole golf course, fitness center, pool, beautiful Clubhouse with restaurant and much more. Social activities abound from get togethers at the Club, golf tournaments, holiday celebrations and gatherings on the Clubhouse patio to name a few. Nearby Lake Chatuge is a boaters paradise, perfect for boating, skiing, tubing with marinas located conveniently on the Lake. Located nearby Hayesville offers wonderful dining, local shopping, festivals, concerts and activities on The Square, The Peacock Theatre performances include plays, music tributes, John C. Campbell Folk School is renowned for it Artisans, classes and Festivals. There is so much to do in the area you will find something for everyone. Come take a look and you will want to build your forever home here.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Type & Style
- Home type: SingleFamily
- Property subType: Other
Interior
Basement
- Basement:
Property
Lot
- Lot size: 1.24 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
- Cold Wave
- Inland Flooding
- Lightning
- Tornado
- Ice Storm
- Landslide
- Strong Wind
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Clay 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 | $37 | $444 |
| Home Insurance * | $3 | $36 |
| Property Taxes | $2 | $24 |
| Electricity | $200 | $2,405 |
| Total | $242 | $2,904 |
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 |
|---|---|---|
| 2026-02-12 | Listed for sale | $7,500 |
| 2025-11-06 | Listing removed | $7,500 |
| 2025-10-01 | Listed for sale | $7,500 |
| 2025-09-20 | Listing removed | $7,500 |
| 2025-07-16 | Listed for sale | $7,500 |
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