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20 Kimberly Rd, Black Mountain, NC, 28711

2beds
1baths
1,308sqft
$415,000
$317price/sqft
$2,656/moest. monthly cost
$106,240/yrincome needed

About This Home

Nestled on approximately 8 private, wooded acres, this charming home offers a peaceful mountain retreat just off Highway 9 between Black Mountain and Fairview. Ideal as a full time residence, second home or vacation rental. It features an open main-level floor plan, a bedroom and bath on the main level, a finished basement with a second living area and a wood-burning stove adds warmth and character. Please note there is 2 parcels that total app. 8 acres.

Getting Around

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

Schools

6/10
Black Mountain PrimaryGrades PK-37.0 mi
5/10
Charles D Owen MiddleGrades 6-87.6 mi
8/10
Charles D Owen HighGrades 9-127.9 mi

Construction

Condition

  • Year built: 1973

Materials

  • Construction materials: Block,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Arts and Crafts
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range
  • Laundry features: In Basement

Basement

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

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Bonus Room

  • Level: Main

Features

  • Fireplace features: Gas Log
  • Finished area below ground: 453
  • Finished area above ground: 855

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 855
  • Total interior livable area: 1,308 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 062611844500000
  • Zoning: OU
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 7.40 Acres

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

  • Landslide
    LandslideRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Landslide
Cold Wave
Inland Flooding
Ice Storm
Lightning

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 $2,098$25,176
Home Insurance *$115$1,380
Property Taxes $243$2,916
Electricity $200$2,405
Total$2,656$31,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,062/yr
40% on housing$79,680/yr
45% on housing$70,826/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

$317This listing

vs Other Active Listings

Avg $/sqft

ZIP 28711$273
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
2026-07-06Listed for sale$415,000
2026-06-23Listing removed$425,000
2026-06-19Listed for sale$425,000
2021-11-30Sold$255,000
2021-10-28Contingent$255,000
2021-10-27Listed for sale$255,000
2019-02-11Sold$212,000
2018-11-06Price change$220,000
2018-09-12Listed for sale$222,000
2006-06-30Sold$51,000

For Sale by Agent

AgentDon Ferrell
BrokerageHoward Hanna Beverly-Hanks, Lake Lure

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