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222 Thistle Rdg, Clyde, NC, 28721

3beds
3baths
1,938sqft
$510,000
$263price/sqft
$3,234/moest. monthly cost
$129,360/yrincome needed

About This Home

Tucked away at the end of a cul-de-sac in the peaceful community of Thistle Ridge, this move in ready Cape Cod offers the perfect blend of comfort and privacy. Enjoy a serene setting surrounded by nature while remaining just 15 minutes from Waynesville and an easy 30-minute commute to Asheville. Designed for everyday living, the main level features a welcoming living area and a well-appointed kitchen with granite countertops, stainless appliances, walk in pantry and dining space. The spacious main level primary suite offers convenience with a walk-in closet and ADA-compliant spa-inspired wet bath. Upstairs, a split layout provides two additional spacious bedrooms. The sunroom wrapped in windows creates the perfect home office, reading nook, or spot to sip morning coffee. Outside, unwind on the covered front porch, let pets roam in the fenced side yard, or enjoy evenings around the yard while kids make memories in the playhouse. An outdoor wood stove tied into the main-level heat pump and water heater adds efficiency. Detached one-car garage and storage shed offer flexible space for hobbies, tools, and outdoor gear.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Riverbend ElementaryGrades K-50.3 mi
4/10
Waynesville MiddleGrades 6-87.5 mi
7/10
Tuscola HighGrades 9-124.2 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Electric Oven,Electric Range,Microwave,Refrigerator
  • Laundry features: In Hall,Laundry Closet,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Attic Other,Storage,Walk-In Pantry
  • Window features: Insulated Windows
  • Flooring: Laminate,Tile
  • Fireplace features: Other - See Remarks
  • Attic: Other
  • Finished area below ground: 0
  • Finished area above ground: 1,938

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,938
  • Total interior livable area: 1,938 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Sunroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Bath Raised Toilet,Roll-In Shower,Bath Roll-Under Sink

Details

  • Parcel number: 8629805669
  • Zoning: RES
  • Special condition: Standard
  • Exclusions: Living Room Woodstove,Dining Room Buffet,Cameras

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Rear Porch,Side Porch
  • Fencing: Partial

Lot

  • Lot size: 0.95 Acres
  • Features: Cul-De-Sac,Level,Rolling Slope,Wooded

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WaveVery High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Landslide
Lightning
Strong Wind
Hail
Inland Flooding
Winter Weather

FEMA Declared Disasters in Haywood 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 $2,578$30,936
Home Insurance *$179$2,148
Property Taxes $277$3,324
Electricity $200$2,405
Total$3,234$38,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,880/yr
40% on housing$97,020/yr
45% on housing$86,240/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 28721$214
Haywood County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 28721$228
Haywood County$246

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
2026-07-16Price change$510,000
2026-05-21Listed for sale$519,900

For Sale by Agent

AgentMichelle McElroy
BrokerageHoward Hanna Beverly-Hanks Waynesville

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