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2670 Dicks Creek Rd, Whittier, NC, 28789

2beds
3baths
1,088sqft
$339,900
$312price/sqft
$2,180/moest. monthly cost
$87,200/yrincome needed

About This Home

Unique opportunity in the mountains of Western North Carolina featuring two cabins on one property, perfect for a private retreat, multi-generational living, or income-producing investment. Situated on approximately 0.34 acres, this property offers a peaceful, wooded setting with the flexibility to live in one cabin and rent the other, or maximize income potential with short-term rentals. Each cabin provides a cozy, functional layout designed for easy living and low maintenance. Conveniently located near Sylva, Cherokee, and Bryson City, you’ll enjoy quick access to outdoor adventures, dining, and local attractions while still feeling tucked away in nature. Whether you're looking for a mountain getaway, rental opportunity, or a combination of both, this property delivers versatility and value.

Getting Around

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

Schools

4/10
5/10
Smoky Mountain HighGrades 9-125.5 mi
7/10
Jackson Co Early CollegeGrades 9-125.5 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Crawl Space
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Total Primary Heated Living Area: 706
  • Finished area below ground: 0
  • Finished area above ground: 706

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Ceiling Fan(s),Wall Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 706
  • Total interior livable area: 1,088 sqft

Kitchen

  • Level: Main

Property

Details

  • Parcel number: 7633230652
  • Zoning: unk
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: None,Creek,Creek/Stream

Lot

  • Lot size: 0.34 Acres

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

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
    LightningVery High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • 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
Hail
Ice Storm
Landslide
Tornado
Winter Weather

FEMA Declared Disasters in Jackson 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 $1,718$20,616
Home Insurance *$140$1,680
Property Taxes $122$1,464
Electricity $200$2,405
Total$2,180$26,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,742/yr
40% on housing$65,400/yr
45% on housing$58,133/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: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$312This listing

vs Other Active Listings

Avg $/sqft

ZIP 28789$201
Jackson County$444

vs Homes Sold Last Month

Median $/sqft

ZIP 28789$266
Jackson County$377

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
2026-04-02Listed for sale$349,900
2023-01-01Listing removed--
2022-08-04Listed for sale$299,000
2017-12-20Sold$105,000
2017-05-30Listing removed$114,800
2017-05-22Listed for sale$114,800
2017-05-08Pending sale$114,800
2017-04-05Price change$114,800
2016-11-21Price change$129,900
2016-10-11Listed for sale$135,000

For Sale by Agent

AgentJanette Vidal
BrokerageKeller Williams Professionals

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