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1268 Coon Creek Rd, Franklin, NC, 28734

4beds
3baths
2,673sqft
$498,500
$186price/sqft
$3,083/moest. monthly cost
$123,320/yrincome needed

About This Home

$20,000 PRICE REDUCTION – PRICED TO SELL! Now an Official 4-Bedroom with Brand-New Septic Upgrade This cozy mountain retreat is now a permitted, 4-bedroom residence, with a newly expanded and inspected septic system. Professionally upgraded with two additional lines, you can have immediate peace of mind, long-term reliability, and greater overall value. Set on 3 private acres of natural, gently sloped mountain land with sweeping ridgeline views, this warm, inviting home offers privacy, space to roam, and the flexibility for a variety of living arrangements. Inside, the main level is filled with natural light and flows easily out to the deck and balcony—perfect for morning coffee, evening sunsets, or relaxing in the spa-deck Jacuzzi. The main floor features a welcoming primary suite with deck access and a striking rock-faced shower, plus a second bedroom that’s ideal for guests, a home office, or true single-level living. Main-floor laundry keeps daily life simple and convenient. The lower level offers two additional bedrooms plus a comfortable living area and a flexible space that’s already plumbed for a full kitchen—ready to finish to your taste. It’s a great setup for a future in-law suite, teen hangout, hobby space, or potential rental area. Practical touches include an oversized garage/carport, a concrete driveway, and a durable metal roof for low-maintenance living. All of this is just minutes from downtown Franklin, with easy access to shopping, dining, and local amenities. Freshly upgraded, now a true 4-bedroom mountain home, and ready for its next owners—come see the possibilities of this true mountain retreat. Schedule your showing today.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Iotla ElementaryGrades PK-45.2 mi
6/10
Macon Middle SchoolGrades 7-86.5 mi
6/10
Franklin HighGrades 9-126.1 mi

Construction

Condition

  • Year built: 2009

Materials

  • Roof: Metal
  • Construction materials: Stone,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Gas Oven,Gas Range,Microwave,Plumbed For Ice Maker,Propane Water Heater,Refrigerator,Self Cleaning Oven,Washer/Dryer
  • Laundry features: Laundry Room,Main Level,Sink

Basement

  • Has basement: Yes
  • Basement: Apartment,Exterior Entry,Interior Entry

Bathroom Full

  • Features: Garden Tub
  • Level: Main

Bathroom Full

  • Level: Basement

Bathroom Full

  • Level: Main

Bedroom S

  • Features: Hot Tub
  • Level: Main

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Basement

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Door features: Insulated Door(s),Sliding Doors,Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Tile,Vinyl
  • Fireplace features: Family Room,Living Room
  • Finished area below ground: 0
  • Finished area above ground: 2,673

Heating & Cooling

  • Heating features: Heat Pump,Propane
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,673
  • Total interior livable area: 2,673 sqft

Kitchen

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

Laundry

  • Level: Main

Living Room

  • Level: Main

Living Room

  • Level: Basement

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: 7507852226
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Balcony,Covered,Wrap Around
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Long Range,Mountain(s),Year Round

Lot

  • Lot size: 3 Acres
  • Features: Green Area,Private,Sloped,Wooded,Views

Parking

  • Total spaces: 4
  • Parking features: Driveway,Detached Garage,Garage Door Opener,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Landslide
Lightning
Inland Flooding
Strong Wind
Tornado
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 $2,520$30,240
Home Insurance *$156$1,872
Property Taxes $159$1,908
Electricity $248$2,987
Total$3,083$36,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,702/yr
40% on housing$92,490/yr
45% on housing$82,213/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 28734$251
Macon County$561

vs Homes Sold Last Month

Median $/sqft

ZIP 28734
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)

Price History

DateEventPrice
2026-05-12Price change$515,000
2026-04-17Price change$525,000
2026-02-27Listed for sale$535,000
2026-01-12Listing removed$499,000
2025-10-30Price change$499,000
2025-10-07Price change$515,000
2025-08-08Listed for sale$525,000
2002-10-28Sold$24,000
1993-09-21Sold$6,000

For Sale by Agent

AgentJoseph Villalpando
BrokerageCOMPASS

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