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109 N Dougherty St, Black Mountain, NC, 28711

3beds
3baths
1,730sqft
$885,000
$512price/sqft
$5,553/moest. monthly cost
$222,120/yrincome needed

About This Home

Experience the best of small-town living in this beautifully remodeled home just steps from the heart of downtown Black Mountain—celebrated as one of the South’s most charming destinations. With its blend of timeless character and modern upgrades, 109 Dougherty Street offers the ideal balance of lifestyle, location, and livability. Exceptional Location: Imagine walking out your front door and strolling to locally owned shops, bakeries, farm-to-table restaurants, cozy coffee houses, and the town library. Nestled in a welcoming neighborhood, this home puts you within reach of everything that makes Black Mountain such a sought-after community. Inviting Outdoor Living: The expansive front porch sets the stage for relaxed evenings with friends and neighbors, while the large screened porch at the back is perfect for year-round enjoyment overlooking the fully fenced yard. A backyard shed with an EV charger adds convenience for modern living. Thoughtful Renovations: Many details has been updated with care: New kitchen with stylish finishes and improved flow All new, enlarged windows that fill the home with natural light Refinished wood floors and a freshly remodeled downstairs bathroom New HVAC system for comfort and efficiency Comfortable & Functional Design With 3 bedrooms and 3 full baths, this home provides flexibility for families, guests, or a dedicated office space. Each room is designed to maximize both style and functionality, making daily living as enjoyable as entertaining. There is a whole house generator that runs on natural gas for your security and comfort. 109 Dougherty Street is more than just a home—it’s a lifestyle. From morning walks into town to cozy evenings on the porch, you’ll find yourself immersed in the unique charm and vibrancy of Black Mountain, a true jewel of the Blue Ridge Mountains.

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

6/10
Black Mountain PrimaryGrades PK-30.4 mi
6/10
Charles D Owen MiddleGrades 6-83.0 mi
7/10
Charles D Owen HighGrades 9-122.7 mi

Construction

Condition

  • Year built: 1939

Materials

  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Refrigerator with Ice Maker,Tankless Water Heater
  • Laundry features: In Bathroom

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Door features: French Doors,Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Tile,Wood
  • Fireplace features: Gas Log,Living Room
  • Finished area below ground: 0
  • Finished area above ground: 1,730

Heating & Cooling

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

Interior Area

  • Total structure area: 1,730
  • Total interior livable area: 1,730 sqft

Kitchen

  • Level: Main

Living Room

  • Features: None
  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 061925586100000
  • Zoning: HB-8
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Rear Porch,Screened
  • Fencing: Back Yard

Lot

  • Lot size: 0.23 Acres
  • Features: Private

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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Buncombe 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 $4,475$53,700
Home Insurance *$246$2,952
Property Taxes $632$7,584
Electricity $200$2,405
Total$5,553$66,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$190,388/yr
40% on housing$166,590/yr
45% on housing$148,080/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$512This listing

vs Other Active Listings

Avg $/sqft

ZIP 28711$269
Buncombe County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28711$301
Buncombe County$278

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
2026-03-19Price change$885,000
2026-02-20Price change$929,500
2025-10-16Price change$955,000
2025-09-26Listed for sale$970,000
2023-07-26Sold$725,000
2011-11-02Sold$275,000
2011-08-18Price change$299,900
2011-08-04Price change$319,900
2011-04-16Listed for sale$349,900
2003-02-07Sold$230,000

For Sale by Agent

AgentJoellen Maurer
BrokerageReal Broker, LLC

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