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514 Whispering Hills Dr, Hendersonville, NC, 28792

4beds
4baths
4,068sqft
$925,000
$227price/sqft
$5,742/moest. monthly cost
$229,680/yrincome needed

About This Home

Beautifully renovated 4BR/4BA home blending modern elegance with effortless comfort. Features dual primary ensuites—one on the main level and one upstairs. Lower level offers a full in-law/guest suite with kitchen, living, dining, bonus room with walk-in closet, interior access, and exterior walk-out. Large storage/mechanical room with washer and dryer. Multiple living and entertaining spaces include breakfast area, formal dining, living room, cozy den with f/p, and a private upper-level office hidden behind bookcases. Galley-style kitchen with stainless steel appliances, granite countertops, abundant cabinetry. Crown molding, chair rail, and custom trim throughout. Spacious main-level primary suite with plantation shutters, walk-in closet, and spa-style shower with dual shower heads. Hardwood, tile, and luxury vinyl plank flooring throughout. Two additional upper-level bedrooms share a guest bath. Enjoy indoor-outdoor entertaining on 2 beautifully landscaped acres. Two-car attached garage plus a two-car detached garage/workshop. Exceptional space, flexibility, and privacy. Minutes to AdventHealth, and I-26 access.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

6/10
Clear Creek ElementaryGrades PK-52.5 mi
6/10
Apple Valley MiddleGrades 6-83.8 mi
7/10
North Henderson HighGrades 9-123.8 mi

Construction

Condition

  • Year built: 1986

Materials

  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Range,Gas Water Heater,Microwave,Refrigerator,Self Cleaning Oven,Washer/Dryer
  • Laundry features: In Basement,Mud Room,Laundry Chute,Sink

Basement

  • Has basement: Yes
  • Basement: Apartment,Exterior Entry,Finished,Interior Entry,Storage Space,Sump Pump,Walk-Out Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Features

  • Built-in Features,Storage,Walk-In Closet(s)
  • Door features: French Doors
  • Flooring: Carpet,Tile,Vinyl,Wood
  • Fireplace features: Den,Other - See Remarks
  • Attic: Walk-In
  • Finished area below ground: 1,250
  • Finished area above ground: 2,818

Heating & Cooling

  • Heating features: Forced Air,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,818
  • Total interior livable area: 4,068 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Upper

Other

  • Level: Upper

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 9927269
  • Zoning: R2
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Patio,Rear Porch

Lot

  • Lot size: 2 Acres
  • Features: Rolling Slope

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Detached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $4,677$56,124
Home Insurance *$286$3,432
Property Taxes $401$4,812
Electricity $378$4,546
Total$5,742$68,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,868/yr
40% on housing$172,260/yr
45% on housing$153,120/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

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 28792$195
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28792$217
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
2026-04-17Listed for sale$949,000
2006-06-26Sold$340,000

For Sale by Agent

AgentGina Nicholson
BrokerageHoward Hanna Beverly-Hanks

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