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48 Duncan Estate Dr, Fletcher, NC, 28732

4beds
4baths
4,121sqft
$975,000
$237price/sqft
$6,030/moest. monthly cost
$241,200/yrincome needed

About This Home

Nestled on a beautifully landscaped homesite in Duncan Creek Estates, this exceptional property offers the perfect blend of comfort, luxury, and incredible outdoor living. The light-filled great room welcomes you with soaring ceilings, custom built-ins, hardwood floors, and a stunning floor-to-ceiling stone fireplace. With four bedrooms, a dedicated office, and a spacious bonus room, this home offers the flexibility today's buyers are looking for. Whether you need space for remote work, a playroom, home gym, media room, or guest accommodations, the thoughtful floor plan provides endless possibilities. Multiple gathering spaces throughout the home ensure everyone has room to spread out and enjoy. The finished lower level creates a true second living space, complete with its own kitchen, living room, private bedroom, full bathroom, and laundry area, all with direct access to the backyard. Perfect for multigenerational living, long-term guests, or a private retreat, this separate space adds exceptional versatility and value. Designed for both everyday living and entertaining, the main kitchen features Bosch appliances, granite countertops, abundant cabinetry, and an open flow into the home's living spaces. Outside, one of the property's most impressive features awaits: a sprawling stone patio designed for entertaining, complete with multiple seating areas, a fire pit, mature landscaping, and beautiful mountain and pastoral views. Relax on the covered front or back porch, host friends under the stars, or simply enjoy the privacy and serenity of this extraordinary setting. With the gardens in full bloom, there's never been a better time to experience all this home has to offer. Conveniently located between Asheville and Hendersonville, this property combines the tranquility of a private mountain retreat with easy access to shopping, dining, and local amenities.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
Fletcher ElementaryGrades PK-52.7 mi
6/10
Apple Valley MiddleGrades 6-85.0 mi
8/10
North Henderson HighGrades 9-125.0 mi

Construction

Condition

  • Year built: 2005

Materials

  • Construction materials: Hardboard Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Washer/Dryer
  • Laundry features: Laundry Room,Lower Level,Main Level,Multiple Locations

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Bonus Room

  • Level: Upper

Features

  • Storage,Walk-In Closet(s)
  • Flooring: Tile,Wood
  • Fireplace features: Living Room
  • Finished area below ground: 1,358
  • Finished area above ground: 2,763

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Natural Gas
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,763
  • Total interior livable area: 4,121 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Laundry

  • Level: Basement

Office

  • Level: Upper

Other

  • Level: Basement

Other

  • Level: Basement

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 9966769
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Patio,Terrace
  • Exterior features: Fire Pit

Lot

  • Lot size: 1.23 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage on Main Level
  • 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 WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind
Hail
Inland Flooding
Tornado

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 $4,930$59,160
Home Insurance *$295$3,540
Property Taxes $422$5,064
Electricity $383$4,605
Total$6,030$72,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,742/yr
40% on housing$180,900/yr
45% on housing$160,800/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

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 28732$232
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28732$248
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
2026-08-01Price change$975,000
2026-07-09Price change$1,000,000
2026-06-11Listed for sale$1,075,000
2020-12-14Sold$600,000
2020-11-07Pending sale$589,000
2020-11-05Listed for sale$589,000
2007-06-07Sold$518,000
2005-08-12Sold$431,000

For Sale by Agent

AgentJessica Stringfield
BrokeragePatton Allen Real Estate LLC

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