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238 Texas Spur Rd, Montreat, NC, 28711

6beds
5baths
2,785sqft
$995,000
$357price/sqft
$6,475/moest. monthly cost
$259,000/yrincome needed

About This Home

Historic 1909 home in Montreat with 6 bedrooms and 4.5 baths. Remodeled while keeping the original Montreat character and charm. Features include new floors and foundation, granite countertops, stainless steel appliances, large bedrooms with walk-in closets, and updated bathrooms throughout. Three covered porches, one on each level, offer mountain and creek views overlooking Flat Creek. Terraced rock walls, a mature landscaped garden, and a sitting area add to the setting. There is wide variety of native plants. (list attached). Currently used as a successful vacation rental. Convenient location near the entrance to Montreat with easy access to parks, the conference center, and walking trails.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
5/10
Charles D Owen MiddleGrades 6-84.8 mi
8/10
Charles D Owen HighGrades 9-124.3 mi

Construction

Condition

  • Year built: 1909

Materials

  • Foundation: Crawl Space
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Oven,Microwave,Oven,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,785

Heating & Cooling

  • Heating features: Ductless,Heat Pump,Zoned
  • Cooling features: Central Air,Ductless

Interior Area

  • Total structure area: 1,760
  • Total interior livable area: 2,785 sqft

Kitchen

  • Features: None
  • Level: Main

Property

Details

  • Parcel number: 071085931200000
  • Zoning: R-2
  • Special condition: Subject to Lease

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Front Porch,Patio,Porch
  • Waterfront features: Creek/Stream

Lot

  • Lot size: 0.26 Acres
  • Features: Steep Slope

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
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Inland Flooding
Landslide
Strong Wind
Tornado
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 $5,031$60,372
Home Insurance *$277$3,324
Property Taxes $908$10,896
Electricity $259$3,112
Total$6,475$77,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$222,000/yr
40% on housing$194,250/yr
45% on housing$172,666/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

$357This listing

vs Other Active Listings

Avg $/sqft

ZIP 28711$270
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
2026-05-22Listed for sale$995,000
2019-10-22Sold$585,000
2019-09-09Pending sale$599,000
2019-08-24Listed for sale$599,000
2013-06-19Sold$435,000
2012-02-21Listed for sale$450,000
2011-12-02Listing removed$449,990
2011-08-03Price change$449,990
2011-06-04Price change$499,990
2010-11-13Listed for sale$549,900
2007-09-14Sold$225,000

For Sale by Agent

AgentBen (Chip) Craig
BrokerageGreyBeard Realty

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