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831 Red Bank Rd, Waynesville, NC, 28786

3beds
3baths
2,140sqft
$649,000
$303price/sqft
$4,088/moest. monthly cost
$163,520/yrincome needed

About This Home

Long-range mountain views, the soothing sound of a rushing stream along the property line, and an unbeatable location just 700 feet from the Blue Ridge Parkway—or only 2 miles to a Parkway entrance—make this mountain home a rare retreat. Relax on the full-length front porch while enjoying the views and listening to the stream below. Inside, oak hardwood floors and solid construction create a warm, welcoming feel. The main level features a spacious living room with a gas log fireplace, formal dining room, half bath, and an eat-in kitchen with granite countertops, stainless appliances, and access to the open back deck—perfect for grilling and entertaining. Upstairs, the primary suite offers its own gas log fireplace, large closet, and ensuite bath with a soaking tub and walk-in shower. Two additional bedrooms, another full bath, laundry area, and an oversized 20x11 flex space or bonus room provide plenty of room for guests, hobbies, or a home office. Two parcels are included: the home sits on one parcel, while the second parcel features a large detached garage/workshop ideal for storage, projects, or recreational gear. Easy-maintenance vinyl siding, being sold FURNISHED, a 2021 roof, no HOA, no city taxes, and convenient access just 5 miles to grocery shopping and 7 miles to Main Street Waynesville complete this exceptional mountain property.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

8/10
Hazelwood ElementaryGrades PK-53.6 mi
4/10
Waynesville MiddleGrades 6-84.6 mi
7/10
Tuscola HighGrades 9-128.3 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet,Upper Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Features

  • Attic Other
  • Fireplace features: Living Room
  • Attic: Other
  • Finished area below ground: 0
  • Finished area above ground: 2,140

Heating & Cooling

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

Interior Area

  • Total structure area: 2,140
  • Total interior livable area: 2,140 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Other

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 7693199563
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Long Range,Mountain(s),Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: None,Creek,Creek/Stream,Waterfront
  • Waterbody name: creek

Lot

  • Lot size: 1.93 Acres
  • Features: Hilly,Sloped,Views,Waterfall

Parking

  • Total spaces: 6
  • Parking features: Driveway,Attached Garage,Detached Garage,Golf Cart Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Ice Storm
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 $3,281$39,372
Home Insurance *$248$2,976
Property Taxes $359$4,308
Electricity $200$2,405
Total$4,088$49,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,160/yr
40% on housing$122,640/yr
45% on housing$109,013/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

$303This listing

vs Other Active Listings

Avg $/sqft

ZIP 28786$217
Haywood County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 28786$230
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
2026-04-28Listed for sale$725,000

For Sale by Agent

AgentJaci Reynolds
BrokerageRE/MAX Executive

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