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261 Rock Face Trl Lot 10C, Highlands, NC, 28741

2beds
2baths
1,022sqft
$999,000
$977price/sqft
$5,752/moest. monthly cost
$230,080/yrincome needed

About This Home

Priced BELOW tax value = instant equity opportunity you don’t want to miss. Why buy one when you can get two units for the price of one? Welcome to a Jeffrey Dungan Low Country XL-designed mountain Tiny cottage where views of Whiteside Mountain don’t get any better. This is the kind of setting people chase in the mountains—and rarely find paired with this level of design and versatility. Located in the Gated Community of The Preserve at Whiteside Cliffs. The upper level lives like a modern designer home, featuring Summit appliances, quartz countertops, Delta fixtures, and 7” oak hardwood flooring. Soaring cathedral ceilings and 270° panoramic views flood the space with natural light through expansive Ply Gem energy-efficient windows and French doors. Both bedrooms accommodates a king bed, includes full-height closet storage, and a built-in desk. Plus, enjoy your private deck just outside your Main floor Bedroom. Downstairs offers a fully functional second living space with its own living area, kitchenette, bedroom, and walk-in shower—making this a true dual-unit setup ideal for guests, rental income, or multi-generational living. With its own covered deck with views that don't disappoint. Stay comfortable year-round with dual Mitsubishi mini-splits (one per level). Outdoor living is where this property really shines and expands your Tiny Home living space: ~ Over 500 sq ft of upper-level decking to soak in those unmatched Whiteside Mountain views ~ Private deck off the primary bedroom ~ Covered lower-level deck with ceiling fans for relaxed, all-season use Additional features include: ~ Premium Board and Batten Cedar siding ~ Shiplap Interior Walls ~ Built-in breakfast bar dining ~ Combo washer/dryer ~ Two dry storage areas ~ Energy-efficient construction throughout ~ Sleeps 4+ comfortably This is more than a mountain getaway—it’s a smart investment priced under tax value with built-in upside from day one. Whether you’re looking for a mountain escape, short-term rental potential, or multi-generational living, this property checks every box. If you’ve been waiting for a property where the view truly delivers—this is it. Opportunities like this—priced under tax value with dual living spaces—don’t sit long. Call and visit the Black Panther TODAY!

Getting Around

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

Schools

5/10
Blue Ridge SchoolGrades PK-65.1 mi
7/10
Jackson Co Early CollegeGrades 9-1220.8 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Permanent
  • Roof: Wood
  • Construction materials: Hardboard Siding,Wood

Other

  • Builder model: Clayton Homes Low Country XL Mirrored Version

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Cottage
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Hood,Gas Oven,Gas Range,Microwave,Refrigerator,Tankless Water Heater,Washer/Dryer
  • Laundry features: Common Area,In Unit

Basement

  • Has basement: Yes
  • Basement: Finished,Storage Space,Walk-Out Access

Bathroom Full

  • Features: Built-in Features
  • Level: Main

Bathroom Full

  • Features: Built-in Features
  • Level: Lower

Bedroom S

  • Features: Ceiling Fan(s)
  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 1

Dining Area

  • Features: Open Floorplan
  • Level: Main

Features

  • Breakfast Bar,Built-in Features,Kitchen Island,Open Floorplan,Pantry,Storage
  • Door features: French Doors,Pocket Doors
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Wood,Other
  • Finished area below ground: 0
  • Finished area above ground: 1,022

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,022
  • Total interior livable area: 1,022 sqft

Kitchen

  • Features: Breakfast Bar,Open Floorplan
  • Level: Main

Living Room

  • Features: Cathedral Ceiling(s),Ceiling Fan(s),Open Floorplan
  • Level: Main

Other

  • Features: Ceiling Fan(s)
  • Level: Lower

Primary Bedroom

  • Features: Built-in Features,Cathedral Ceiling(s),Ceiling Fan(s),See Remarks
  • Level: Main

Property

Details

  • Parcel number: 7560506407
  • Zoning: R-7
  • Special condition: Standard
  • Other equipment: Generator Hookup
  • Exclusions: Drop. leaf table and chairs,small chairs in bedroom
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Front Porch,Porch,Rear Porch,Side Porch
  • Exterior features: Other - See Remarks
  • Has view: Yes
  • View description: Mountain(s),Winter,Year Round
  • Waterfront features: None

Lot

  • Lot size: 0.53 Acres
  • Features: Hilly,Open Lot,Sloped,Wooded,Views

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
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Jackson 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 $5,051$60,612
Home Insurance *$243$2,916
Property Taxes $258$3,096
Electricity $200$2,405
Total$5,752$69,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,211/yr
40% on housing$172,560/yr
45% on housing$153,386/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: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$977This listing

vs Other Active Listings

Avg $/sqft

ZIP 28741$1,672
Jackson County$441

vs Homes Sold Last Month

Median $/sqft

ZIP 28741
Jackson County$377

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
2026-05-01Listed for sale$999,000

For Sale by Agent

AgentAllison MacDowell
BrokerageKeller Williams Great Smokies

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