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544 Stonehaven Dr, Cullowhee, NC, 28723

3beds
2baths
2,116sqft
$535,000
$253price/sqft
$3,219/moest. monthly cost
$128,760/yrincome needed

About This Home

Nestled on a private, wooded lot in the highly desirable Stonehaven neighborhood of Cullowhee, just minutes from Western Carolina University, this beautifully maintained home offers the perfect blend of comfort, privacy, and functionality. Designed for easy one-level living, the open-concept floor plan features a spacious living room. The split-bedroom layout provides privacy, while the versatile design includes 3 bedrooms, 2 full baths, a formal dining room, and a bonus room ideal for a home office, playroom, or flex space. The kitchen features granite countertops, stainless steel appliances, and a breakfast area overlooking the peaceful backyard. The spacious primary suite offers a spa-like bath and generous walk-in closet. Step outside to the screened porch and enjoy the tranquil setting surrounded by nature. Complete with a 2-car garage, this exceptional home offers the perfect combination of modern updates and privacy. Truly move-in ready—all that's missing is you and your toothbrush!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

2/10
Cullowhee Valley SchoolGrades PK-82.0 mi
9/10
6/10
Smoky Mountain HighGrades 9-125.9 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Oven,Electric Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: Utility Room

Bedrooms & Bathrooms

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

Features

  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Fireplace features: Wood Burning Stove
  • Finished area below ground: 0
  • Finished area above ground: 2,116

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,116
  • Total interior livable area: 2,116 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 7547695206
  • Zoning: RES
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 2.72 Acres
  • Features: Private

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Faces Side,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

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

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 $2,705$32,460
Home Insurance *$164$1,968
Property Taxes $150$1,800
Electricity $200$2,405
Total$3,219$38,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,365/yr
40% on housing$96,570/yr
45% on housing$85,840/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

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 28723$309
Jackson County$443

vs Homes Sold Last Month

Median $/sqft

ZIP 28723$361
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
2026-07-21Listed for sale$535,000
2023-11-28Sold$423,000
2023-10-11Contingent$449,900
2023-09-22Listed for sale$449,900
2015-01-07Sold$220,000
2005-07-12Sold$48,000

For Sale by Agent

AgentStefanie Conley
BrokerageKeller Williams Great Smokies

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