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191 Chowan Drive, Highlands, NC, 28741

1beds
2baths
--sqft
$225,000
--price/sqft
$1,575/moest. monthly cost
$63,000/yrincome needed

About This Home

This cabin is 1 bedroom/1.5 bath, close to Main Street, just above Mirror Lake Dam and walking distance to On the Veranda Restaurant. This is one of those "fishcamp" style cabins that used to dot the Mirror Lake area prior to being renovated. This one still needs renovation!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

6/10
Highlands SchoolGrades K-121.5 mi
6/10
Macon Middle SchoolGrades 7-810.6 mi

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Free-Standing Refrigerator
  • Laundry features: None

Basement

  • Basement: None

Bathroom1

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Open Floorplan
  • Flooring: Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: None

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 7530847369
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Covered,Deck
  • Exterior features: None
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods
  • Waterfront features: None
  • Topography of land: Sloping

Lot

  • Lot size: 0.32 Acres
  • Features: Bluff,City Lot,Sloped Down,Pie Shaped Lot,Steep Slope

Parking

  • Total spaces: 1
  • Parking features: Detached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Landslide
Lightning
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Macon 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 $1,137$13,644
Home Insurance *$158$1,896
Property Taxes $80$960
Electricity $200$2,405
Total$1,575$18,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,000/yr
40% on housing$47,250/yr
45% on housing$42,000/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.4%
6.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 28741$1,688
Macon County$562

vs Homes Sold Last Month

Median $/sqft

ZIP 28741
Macon County$264

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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Contingent$225,000
2026-05-05Price change$225,000
2026-01-08Listed for sale$260,000

For Sale by Agent

AgentJohn Dotson
BrokeragePreferred Properties

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