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16 Shadow Brook Dr, Flat Rock, NC, 28731

3beds
3baths
2,397sqft
$816,000
$340price/sqft
$4,972/moest. monthly cost
$198,880/yrincome needed

About This Home

A beautifully updated mountain retreat nestled into a cozy, wooded, and walkable neighborhood just outside of Flat Rock — featuring highly coveted boating and beach access to Lake Summit and offering a rare balance of peaceful mountain living with everyday convenience to Hendersonville, plus easy access to I-26 and I-25. You can spend your days on the boat, at the beach, or simply enjoying the relaxed mountain lifestyle that makes this area so beloved. Set on 1.49 private acres with a stream winding through the property, this is the kind of home that immediately slows you down. Spend mornings on the screened front porch listening to the birds with a book in hand, or host friends and family on the expansive new Deckorators deck under the glow of string lights for holidays and summer evenings to come. The home lives comfortably for both full time living and weekend escapes, with a main level primary suite, en suite bath, and generous closet space for storage. Throughout the cabin, thoughtful details like fun lighting fixtures, etched frosted glass doors, and tasteful renovations give the home character without losing its warm mountain charm. 16 Shadow Brook Drive feels nostalgic in the best way — bringing you back to those carefree days when discovering the woods felt like an adventure and summers felt endless.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

3/10
Hillandale ElementaryGrades PK-51.5 mi
6/10
Flat Rock MiddleGrades 6-81.5 mi
6/10
East Henderson HighGrades 9-123.3 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Crawl Space
  • Construction materials: Log

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Window features: Insulated Windows
  • Flooring: Tile,Wood
  • Fireplace features: Living Room,Propane
  • Finished area below ground: 0
  • Finished area above ground: 2,397

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 2,397
  • Total interior livable area: 2,397 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

  • Level: Main

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 9576931851
  • Zoning: R2R
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch,Rear Porch
  • Exterior features: Storage
  • On waterfront: Yes
  • Waterfront features: Other - See Remarks,Creek,Creek/Stream

Lot

  • Lot size: 1.49 Acres
  • Features: Level,Private,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
  • Ice Storm
    Ice StormVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Henderson 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 $4,126$49,512
Home Insurance *$271$3,252
Property Taxes $352$4,224
Electricity $223$2,679
Total$4,972$59,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,468/yr
40% on housing$149,160/yr
45% on housing$132,586/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.3%
5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 28731$184
Henderson County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 28731$255
Henderson County$254

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
2026-08-16Price change$799,000
2026-07-28Price change$816,000
2026-06-16Price change$838,000
2026-05-22Listed for sale$870,000
2022-11-21Sold$790,000
2022-09-28Pending sale$850,000
2022-09-28Contingent$850,000
2022-07-19Listed for sale$850,000
2018-08-09Sold$445,000
2018-06-26Pending sale$479,900
2018-06-26Listed for sale$479,900
2017-09-12Sold$441,500
2017-07-24Pending sale$450,000
2017-07-17Listed for sale$450,000
2017-07-10Pending sale$450,000
2017-06-28Listed for sale$450,000
2017-06-26Pending sale$450,000
2017-06-15Listed for sale$450,000
2015-09-29Sold$385,000
2015-05-27Listed for sale$405,000
2007-03-13Sold$399,000

For Sale by Agent

AgentKelsey Varga
BrokerageCOMPASS

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