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46 Mount Clare Ave, Asheville, NC, 28801

4beds
2baths
1,696sqft
$729,000
$430price/sqft
$4,699/moest. monthly cost
$187,960/yrincome needed

About This Home

Excellent location! Walk downtown, Trader Joe’s, Whole Foods, Historic Montford, Reed creek greenway & UNCA botanical gardens. 4BR 2BA home is currently set up as a 2BR downstairs and 1BR permitted short term rental upstairs with full kitchen, bath, and living area in each with separate entrances. Easily converted back to single family living or enjoy the added rental income or guest suite. Zoning allows an attached or detached ADU as well and there is also an additional building lot adjoining available separately. New roof, porches, and foundation work in 2015. New 200amp electrical service. New gas furnace/AC in 2024.

Getting Around

83
WalkingVery Walkable
37
TransitSome Transit
75
BikeVery Bikeable

Schools

5/10
Isaac Dickson ElementaryGrades PK-50.1 mi
7/10
Asheville MiddleGrades 6-81.3 mi
5/10
Asheville HighGrades PK,9-122.3 mi

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Refrigerator
  • Laundry features: Electric Dryer Hookup,Mud Room,Lower Level,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 4

Family Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,696

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 1,696
  • Total interior livable area: 1,696 sqft

Property

Details

  • Parcel number: 964924808800000
  • Zoning: RS8
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Fencing: Fenced

Lot

  • Lot size: 0.11 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

  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind

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 $3,686$44,232
Home Insurance *$152$1,824
Property Taxes $661$7,932
Electricity $200$2,405
Total$4,699$56,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,108/yr
40% on housing$140,970/yr
45% on housing$125,306/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

$430This listing

vs Other Active Listings

Avg $/sqft

ZIP 28801$349
Buncombe County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28801$364
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
2026-04-15Price change$749,900
2026-03-31Listing removed$1,600
2026-03-23Listed for rent$1,600
2026-03-20Listed for sale$750,000
1995-12-19Sold$42,300

For Sale by Agent

AgentAnthony Dufrene
BrokerageAnthony Dufrene

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