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343 Coweeta Church Rd, Otto, NC, 28763

3beds
2baths
3,888sqft
$349,000
$90price/sqft
$2,299/moest. monthly cost
$91,960/yrincome needed

About This Home

Nestled on a spacious, private lot of 2.86 acres surrounded by mature trees, this charming home offers the perfect blend of comfort and country living. The exterior features warm wood siding, a durable stone and block foundation, and a welcoming covered front porch that stretches across the front of the home—perfect for relaxing and enjoying the peaceful surroundings. Inside, you’ll find a bright and inviting interior with beautiful wood-style flooring, neutral paint, and an open feel that’s ready for your personal touch. The layout offers comfortable living spaces with natural light and easy flow between rooms. The home also features a large unfinished basement that provides plenty of storage or potential for additional living space, along with a covered parking area for convenience. Outside, the expansive yard offers plenty of room for outdoor activities, gardening, or simply enjoying the quiet setting. If you’re looking for privacy, space, and the charm of a countryside retreat while still being within reach of town amenities, this property is a must-see. This home is only minutes to Franklin and Georgia.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

5/10
South Macon ElementaryGrades PK-41.9 mi
6/10
Macon Middle SchoolGrades 7-85.4 mi
6/10

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Other
  • Roof: Shake / Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Laminate,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat pump,Stove,Electric,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,888 sqft

Property

Details

  • Parcel number: 6581851855

Features

  • Exterior features: Shingle,Wood
  • Has view: Yes
  • View description: Mountain

Lot

  • Lot size: 2.86 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport

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 FloodingVery High
  • Landslide
    LandslideVery High
  • Lightning
    LightningVery High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Landslide
Lightning
Ice Storm
Strong Wind
Tornado
Hail
Winter Weather

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 $1,764$21,168
Home Insurance *$108$1,296
Property Taxes $65$780
Electricity $362$4,345
Total$2,299$27,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,822/yr
40% on housing$68,970/yr
45% on housing$61,306/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: 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

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 28763$171
Macon County$562

vs Homes Sold Last Month

Median $/sqft

ZIP 28763
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
2026-03-16Listed for sale$385,000

For Sale by Owner

AgentProperty Owner

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