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30 Sleepy Bear Rdg, Whittier, NC, 28789

4beds
3baths
2,391sqft
$549,875
$230price/sqft
$3,328/moest. monthly cost
$133,120/yrincome needed

About This Home

Perfectly positioned between Bryson City and Cherokee, this 1.5-acre property offers the ideal blend of mountain living and income potential within a community allowing short-term rentals. The fully fenced yard provides a safe, usable space for kids and pets. The main 3BR/2BA cabin features a full-length covered porch with hot tub and a sunny open deck. Inside, vaulted tongue-and-groove ceilings and a stone gas fireplace anchor the open living area, flowing into a spacious kitchen with granite countertops, stainless appliances, ample cabinetry, and dining area. The oversized primary suite includes a walk-in closet and ensuite bath with tiled shower, while two guest bedrooms share a full hall bath and large laundry. A heated 2-car garage offers a finished apartment above with living room, bedroom, full bath, kitchenette with bar, and pool table—ideal for guests or rental use. Includes 22KW Generac generator, Balsam West high-speed internet and is being sold mostly furnished. New HVAC in 2025, metal roof's, firepit, automatic gate opener, recently stained cabin and decks....the seller has meticulously maintained this property and it shows!

Getting Around

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

Schools

2/10
5/10
Swain County Middle SchoolGrades PK,6-84.8 mi

Construction

Condition

  • Year built: 2006

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,Gas Oven,Gas Range,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: 2nd Living Quarters

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: 2nd Living Quarters

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Features

  • Walk-In Closet(s),Total Primary Heated Living Area: 1699
  • Window features: Insulated Windows,Storm Window(s)
  • Flooring: Carpet,Laminate,Vinyl
  • Fireplace features: Gas Log
  • Finished area below ground: 0
  • Finished area above ground: 1,699

Heating & Cooling

  • Heating features: Ductless,Electric,Heat Pump,Propane
  • Cooling features: Ceiling Fan(s),Central Air,Ductless

Interior Area

  • Total structure area: 1,699
  • Total interior livable area: 2,391 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: 2nd Living Quarters

Laundry

  • Level: Main

Living Room

  • Level: Main

Living Room

  • Level: 2nd Living Quarters

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 669402879553
  • Zoning: None
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Fencing: Full
  • Has view: Yes
  • View description: Winter

Lot

  • Lot size: 1.50 Acres
  • Features: Cleared,Level,Rolling Slope

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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 WaveVery High
  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Swain County and North Carolina

Fire
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 $2,780$33,360
Home Insurance *$226$2,712
Property Taxes $100$1,200
Electricity $222$2,672
Total$3,328$39,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,102/yr
40% on housing$99,840/yr
45% on housing$88,746/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 28789$197
Swain County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 28789$266
Swain County$310

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
2026-04-30Listed for sale$574,875

For Sale by Agent

AgentMarty Huskins
BrokerageKeller Williams Great Smokies - Bryson City

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