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12 Center St, Asheville, NC, 28803

3beds
3baths
1,280sqft
$399,500
$312price/sqft
$2,563/moest. monthly cost
$102,520/yrincome needed

About This Home

Rare flexible zoning sets this intentionally designed new construction cottage apart—offering the ability to live, work, and create just south of Biltmore Village. Built with attention to efficiency, design, and everyday comfort, this 3-bedroom, 2.5-bath home lives larger than its footprint. The open living area features exposed beams, abundant natural light, and warm natural materials that create a welcoming feel. Hardwood and bamboo flooring run throughout the main living spaces, with tile in the bathrooms. High ceilings in the bedrooms enhance the sense of space, and the covered front porch offers a perfect place to relax. Located on a quiet, lightly traveled street, this home is part of a small pocket of newly built cottages that offers a neighborhood feel without congestion, while remaining exceptionally convenient. The property’s commercial zoning provides flexibility rarely found with a home of this scale. Opportunities may exist for accessory structures or creative workspaces such as an art studio, office, or workshop, allowing buyers to adapt the property over time. (Buyer to confirm permitted uses.) Downtown Asheville, South Asheville, Hendersonville, and Black Mountain are all within easy reach, with restaurants, grocery stores, and everyday conveniences just minutes away via Hendersonville Road. A rare opportunity to own a thoughtfully built home combining design, location, and flexibility.

Getting Around

48
WalkingCar-Dependent
28
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

4/10
9/10
Valley Springs MiddleGrades 5-84.6 mi
7/10
T C Roberson HighGrades PK,9-124.6 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Hardboard Siding

Other

  • Builder model: 2032
  • Builder name: Compact Cottages

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Laundry Closet,Upper Level,Washer Hookup

Bedroom S

  • Features: Cathedral Ceiling(s)
  • Level: Upper

Bedroom S

  • Features: Cathedral Ceiling(s)
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Bamboo,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,280

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Kitchen

  • Features: Open Floorplan
  • Level: Third

Living Room

  • Features: Open Floorplan
  • Level: Main

Primary Bedroom

  • Features: Cathedral Ceiling(s),Ceiling Fan(s),En Suite Bathroom
  • Level: Upper

Property

Details

  • Parcel number: Portion of 964784219800000
  • Zoning: HB
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Awning(s),Covered,Deck,Front Porch,Porch
  • Has view: Yes
  • View description: Mountain(s),Winter

Lot

  • Lot size: 0.13 Acres

Parking

  • Total spaces: 2
  • Parking features: Circular Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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 Buncombe 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 $2,020$24,240
Home Insurance *$154$1,848
Property Taxes $189$2,268
Electricity $200$2,405
Total$2,563$30,756
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,874/yr
40% on housing$76,890/yr
45% on housing$68,346/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: 8.5%
8.5%
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

$312This listing

vs Other Active Listings

Avg $/sqft

ZIP 28803$345
Buncombe County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28803$306
Buncombe County$278

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
2026-04-24Price change$409,000
2026-04-10Price change$410,000
2026-03-31Price change$412,000
2026-03-21Price change$415,000
2026-02-27Price change$417,500
2026-02-11Listed for sale$418,000

New Construction

AgentBarry Bialik
BrokerageDirt & Sticks, Inc.

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