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4635 Banbury Trail, Lenoir, NC, 28645

1beds
1baths
250sqft
$413,900
$1,656price/sqft
$2,663/moest. monthly cost
$106,520/yrincome needed

About This Home

Pisgah-backed mountain oasis: 10 acres with Airbnb tiny home in Lenoir. A rare opportunity with 10 unrestricted acres backing directly up to Pisgah National Forest. Discover an exceptional property offering unmatched privacy, protected views, and freedom to build or expand, all just 25 minutes from downtown Blowing Rock. This 10-acre unrestricted parcel (no HOA) borders Pisgah National Forest, giving you forever views of untouched wilderness, direct access to trails, wildlife,= and scenic landscape, the ultimate tranquility of having no neighbors behind you, freedom to build, camp, invest or enjoy the land your way, and access to a community pond, adding to the peaceful mountain setting. This thoughtfully designed 200-square-foot mountain tiny home is in place and rented as a successful Airbnb, offering immediate income potential. Inside, the open layout includes a queen bed, queen sleeper sofa, full bath, and a well-equipped kitchenette with a two-burner stovetop and refrigerator. Modern comforts include a mini-split system, tankless water heater and keyless entry. Turnkey sold fully furnished! Outdoor living shines her so enjoy a spacious deck, hot tub and fire pit, all positioned to take in sweeping views of Grandfather Mountain, Table Rock and Hawksbill. In addition to the tiny home, a cleared building site is ready for a future larger residence, making this property potentially suitable for a custom mountain estate, additional rental income or a retreat of your own. Additional features include a gravel driveway with parking for two vehicles, 4WD access recommended in winter and proximity to hiking, outdoor recreation and the Blue Ridge Parkway. The property comes with an existing well and septic system in place- the systems are permitted for the tiny home and another home. Properties like this, 10 unrestricted acres with Pisgah frontage, a community pond, potential income flowing and room to grow, are almost never available.

Getting Around

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

Schools

6/10
Collettsville SchoolGrades PK-87.6 mi
2/10
West Caldwell HighGrades 9-1210.1 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Modular/Prefab,Other,See Remarks,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other,See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Gas Water Heater,Refrigerator,Tankless Water Heater

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Window Treatments
  • Window features: Window Treatments
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 250

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 650
  • Total interior livable area: 250 sqft

Property

Details

  • Parcel number: 102W134IS

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Open
  • Exterior features: Fire Pit,Hot Tub/Spa,Gravel Driveway
  • Has spa: Yes
  • Has view: Yes
  • View description: Long Range,Mountain(s)
  • Waterfront features: Pond

Lot

  • Lot size: 10.30 Acres

Parking

  • Parking features: Driveway,Gravel,No Garage,Private
  • 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
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Ice Storm
Landslide
Lightning
Strong Wind

FEMA Declared Disasters in Caldwell 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 $2,092$25,104
Home Insurance *$174$2,088
Property Taxes $197$2,364
Electricity $200$2,405
Total$2,663$31,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,302/yr
40% on housing$79,890/yr
45% on housing$71,013/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,656This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$170
Caldwell County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 28645$161
Caldwell County$173

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
2026-02-18Price change$479,900
2026-01-08Listed for sale$499,000
2025-12-17Listing removed$499,000
2025-11-26Listed for sale$499,000
2022-11-17Sold$300,000

For Sale by Agent

AgentAngela Laws King
BrokeragePremier Sotheby's Int'l Realty

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