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122 Diamond Ave, Franklin, NC, 28734

2beds
2baths
1,200sqft
$349,900
$292price/sqft
$2,191/moest. monthly cost
$87,640/yrincome needed

About This Home

New Townhomes for Sale at Gemstone Village! Welcome to Gemstone Village, a vibrant 50+ community thoughtfully designed for luxury and easy living. This brand-new 2BR/2BA townhome overlooks the community nature area, with easy access to all of the outdoor amenities. Enjoy a perfect blend of style, functionality, and quality construction in this lovely home designed for comfortable, easy living. Units available at $339,900 and $349,900. Home Features: • Spacious single-level layout with 9’ ceilings and zero-step entry • Bright living spaces with Pella windows and solid core doors • Ceiling fans with lights in living room, bedrooms, and porch • Luxury vinyl plank flooring throughout • High-speed underground fiber internet Luxury Kitchen & Cabinetry: • Custom cabinets with soft-close doors and drawers • Granite countertops • Kitchen peninsula and pantry for added storage • GE stainless steel appliance package, including French-door refrigerator with water & ice, range, microwave, and dishwasher • Full-size GE Profile washer & dryer included Comfortable Bedrooms & Baths: • Spacious primary suite (13.6’ x 13.5’) with walk-in closet • Guest bedroom (13.3’ x 10.5’) perfect for visitors or office space • Quality finishes including undermount sinks, Delta faucets, and Kohler toilets • Linen cabinet in guest bath for extra storage Outdoor & Exterior Features: • Unobstructed view of nature area • Paved driveway • Large 14’ x 28’ carport with attached storage shed • Covered front porch (18’ x 8’)—perfect for relaxing outdoors Community Amenities: • Fully equipped clubhouse • Pickleball courts and basketball court • Putting green with chipping island • Scenic 850’ nature trail • 3,300 sq ft dog park Enjoy hassle-free living with bundled services including city water/sewer, high-speed internet, trash service, and straight line mowing.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

5/10
South Macon ElementaryGrades PK-41.1 mi
6/10
Macon Middle SchoolGrades 7-83.2 mi
7/10

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Heat pump,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,200 sqft

Property

Features

  • Has view: Yes
  • View description: Mountain

Parking

  • Parking features: Carport

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
    LandslideVery High
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Macon 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 $1,769$21,228
Home Insurance *$109$1,308
Property Taxes $113$1,356
Electricity $200$2,405
Total$2,191$26,292
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,120/yr
40% on housing$65,730/yr
45% on housing$58,426/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.4%
6.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 28734$251
Macon County$561

vs Homes Sold Last Month

Median $/sqft

ZIP 28734
Macon County$264

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)

No zestimate history available

Price History

DateEventPrice
2026-05-14Listed for sale$349,900

For Sale by Owner

AgentProperty Owner

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