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22 Mountain Spring Ln, Canton, NC, 28716

5beds
5baths
4,007sqft
$789,000
$197price/sqft
$5,135/moest. monthly cost
$205,400/yrincome needed

About This Home

Set on approximately 4.5 private acres in Canton, this thoughtfully expanded 1947 stone cottage offers both convenience and retreat — just minutes to I-40 for easy access to Asheville and Waynesville, yet tucked away in a peaceful natural setting. Between 2006-2007, the current owners carefully preserved the character of the original 2BR/1BA home while adding over 2,200 square feet of living space, resulting in a spacious 4-bedroom home with office and 3.5 baths (additional 1 bed + 1 bath accounted for in listing is the garage apartment). Original flooring and trim remain in beautiful condition, blending seamlessly with custom finishes throughout. The main living area features vaulted ceilings, abundant natural light, open dining space, and a striking double-sided wood-burning fireplace shared with the primary suite. The generously sized primary bedroom opens to the expansive front deck, positioned to capture light while maintaining privacy. The lower level offers a second living area, bedroom, and full bath — ideal for guests, multigenerational living, or flexible use. Beyond the main residence, the property includes a detached two-car garage with a one-bedroom apartment (tenant in place; lease details available) providing income potential. A two-story barn with tractor storage and workshop space sits alongside pasture areas suitable for a variety of uses. This unique property offers space, flexibility, and opportunity — a rare combination of privacy, character, and functionality for those seeking more than a traditional neighborhood setting. The seller would like to address flood plain concerns with the following statement: Portions of the 4.5-acre parcel are located within a designated flood plain, primarily affecting the pasture areas. 18 years ago, the residence and improvements were not within the mapped flood zone. Following updated FEMA mapping after major storm events in Haywood County, a small portion of the home’s lower level and garage apartment is now indicated to be within the 500-year flood zone, but not the 100-year flood zone (approximately a few inches at the lowest point). The sellers have enjoyed this property for over 18 years. A nearby culvert has also been replaced with a viaduct, improving water flow beneath I-40. Buyers are encouraged to review all available information and verify to their satisfaction.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
North Canton ElementaryGrades PK-51.2 mi
8/10
Canton MiddleGrades 6-82.7 mi
8/10
Pisgah HighGrades 9-123.0 mi

Construction

Condition

  • Year built: 1947

Materials

  • Roof: Composition
  • Construction materials: Hardboard Siding,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Range,Microwave,Refrigerator,Wall Oven,Washer/Dryer
  • Laundry features: In Bathroom,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Interior Entry,Partially Finished,Sump Pump,Walk-Out Access

Bathroom Full

  • Features: Garden Tub
  • Level: Main

Bathroom Full

  • Level: Lower

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Lower

Bedroom S

  • Level: 2nd Living Quarters

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Den

  • Level: Lower

Dining Area

  • Level: Main

Dining Room

  • Level: Main

Features

  • Built-in Features,Soaking Tub,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s),Other - See Remarks,Total Primary Heated Living Area: 3314
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Den,Gas Log,Living Room,Primary Bedroom,Wood Burning
  • Finished area below ground: 895
  • Finished area above ground: 2,419

Heating & Cooling

  • Heating features: Central,Heat Pump,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,419
  • Total interior livable area: 4,007 sqft

Kitchen

  • Features: Kitchen Island,Open Floorplan
  • Level: Main

Kitchen

  • Level: 2nd Living Quarters

Living Room

  • Features: Open Floorplan,Vaulted Ceiling(s)
  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: 8668113905
  • Zoning: None
  • Special condition: Standard
  • Horse amenities: Barn,Hay Storage,Pasture

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Wrap Around
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 4.50 Acres
  • Features: Cleared,Level,Pasture,Private

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached Garage,Garage on Main Level
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Hail
Landslide
Tornado
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 $3,989$47,868
Home Insurance *$298$3,576
Property Taxes $475$5,700
Electricity $373$4,478
Total$5,135$61,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,057/yr
40% on housing$154,050/yr
45% on housing$136,933/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

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 28716$216
Haywood County$210

vs Homes Sold Last Month

Median $/sqft

ZIP 28716$254
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
2026-04-14Price change$825,000
2026-02-20Listed for sale$850,000
2005-07-06Sold$160,500

For Sale by Agent

AgentHaleigh Thompson
BrokeragePatton Allen Real Estate LLC

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