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972 Harper Rd, Hendersonville, NC, 28792

3beds
3baths
3,292sqft
$498,000
$151price/sqft
$3,181/moest. monthly cost
$127,240/yrincome needed

About This Home

A tranquil mountain setting on 1.72 acres. The house is third from the end of the road. Drive up the low maintenance newly paved driveway and relax on the front deck. Step inside to a semi open concept entryway, living room, dining area and kitchen. White oak floors installed in 2020. Luxury vinyl in kitchen, laundry and bathrooms new in 2020. New doors and windows installed throughout the home in 2020. The kitchen has updated amenities. The laundry has ample space for hanging a load of laundry indoors. The three bedrooms are of good size. Downstairs basement is finished and connects to the garage. Basement heating via a Mitsubishi mini split and wood burning stove. The front yard gets full sun and is terraced for garden beds. Two water spigots are accessible for irrigation. Additionally new heat pump/ ac and ductwork in 2020 and a new hot water heater in 2024. Adjacent to the house is a custom freestanding Finnish style wood fired sauna.

Getting Around

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

Schools

6/10
Clear Creek ElementaryGrades PK-51.6 mi
6/10
Apple Valley MiddleGrades 6-82.3 mi
7/10
North Henderson HighGrades 9-122.3 mi

Construction

Condition

  • Year built: 1980

Materials

  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Refrigerator,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Basement Garage Door,Exterior Entry,Finished,Full,Interior Entry

Bedrooms & Bathrooms

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

Features

  • Door features: French Doors,Insulated Door(s),Sliding Doors,Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Vinyl,Wood
  • Fireplace features: Wood Burning Stove,Other - See Remarks
  • Finished area below ground: 1,468
  • Finished area above ground: 1,824

Heating & Cooling

  • Heating features: Central,ENERGY STAR Qualified Equipment,Heat Pump,Wood Stove
  • Cooling features: Ceiling Fan(s),Central Air,Ductless,ENERGY STAR Qualified Equipment,Heat Pump

Interior Area

  • Total structure area: 1,824
  • Total interior livable area: 3,292 sqft

Kitchen

  • Features: Kitchen Island
  • Level: Main

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Door Width 32 Inches or More,Accessible Hallway(s),Mobility Friendly Flooring,Stair Lift

Details

  • Parcel number: 10003935
  • Zoning: R-3
  • Special condition: Standard
  • Other equipment: Generator,Generator Hookup

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch,Rear Porch,Side Porch
  • Exterior features: Sauna
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 1.72 Acres
  • Features: Sloped,Wooded

Parking

  • Total spaces: 4
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Side,Keypad Entry
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3

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
  • Lightning
    LightningRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Drought
Hail
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Henderson 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 $2,518$30,216
Home Insurance *$154$1,848
Property Taxes $203$2,436
Electricity $306$3,679
Total$3,181$38,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,062/yr
40% on housing$95,430/yr
45% on housing$84,826/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.3%
5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 28792$196
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28792$217
Henderson County$254

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
2026-04-24Price change$498,000
2026-04-12Listed for sale$520,000
2019-10-22Sold$249,900
2019-10-01Listed for sale$249,900

For Sale by Agent

AgentNick Huscroft
BrokerageChosen Realty of NC LLC

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