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115 Gardening Frog Trl, Waynesville, NC, 28785

1beds
1baths
592sqft
$299,999
$507price/sqft
$1,949/moest. monthly cost
$77,960/yrincome needed

About This Home

Known as Hummingbird Cottage, this former Airbnb has been the setting for years of wonderful memories. Tucked away at the end of the road, this cozy cabin offers a beautiful natural, pastoral setting. Enjoy the beauty of a small spring-fed pond and a babbling creek that runs the length of the property. The mini-farm setup includes a large, well-built barn with power and water, plus a chicken coop—ideal for hobby farming or homesteading. Established landscaping enhances the property, along with an open field ready for your vision. An additional 1-bedroom septic system is already installed, offering potential to add another bedroom or even expand with an additional cabin. The property features chemical-free, filtered water throughout, a shared well with an updated pump and large pressure tank, and a thoughtful southern exposure passive solar design. Stay comfortable year-round with a whole-house propane heater and cozy wood stove. The land is fully usable and level, maximizing every inch of space. Conveniently located with quick access in and out to I-40, and close to local amenities.

Getting Around

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

Schools

7/10
Riverbend ElementaryGrades K-51.7 mi
4/10
Waynesville MiddleGrades 6-86.3 mi
7/10
Tuscola HighGrades 9-123.8 mi

Construction

Condition

  • Year built: 2015

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Gas Cooktop,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 592

Heating & Cooling

  • Heating features: Ductless,Wood Stove
  • Cooling features: Ductless

Interior Area

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

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 8618876934
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterfront features: None,Creek,Pond

Lot

  • Lot size: 0.92 Acres
  • Features: Level,Pond(s),Wooded

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

  • Cold Wave
    Cold WaveVery High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Landslide
Lightning
Strong Wind
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters in Haywood 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 $1,516$18,192
Home Insurance *$101$1,212
Property Taxes $132$1,584
Electricity $200$2,405
Total$1,949$23,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,822/yr
40% on housing$58,470/yr
45% on housing$51,973/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$507This listing

vs Other Active Listings

Avg $/sqft

ZIP 28785$169
Haywood County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 28785$243
Haywood County$246

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
2026-04-24Listed for sale$314,900

For Sale by Agent

AgentMichelle McElroy
BrokerageHoward Hanna Beverly-Hanks Waynesville

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