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65 Poppy Lane, Cullowhee, NC, 28723

3beds
4baths
--sqft
$387,500
--price/sqft
$2,435/moest. monthly cost
$97,400/yrincome needed

About This Home

Walk to the beautiful campus of Western Carolina University from this easily accessible, single level home that has been completely remodeled, inside and out, in the last three years. New roof, gutters, and leaf guards. Front and rear decks rebuilt and re-stained. Bathrooms rebuild from the studs. New kitchen countertops, paint, and all light fixtures. Electrical panel replaced with a 200-amp service and a whole house surge protector installed. Highly efficient Bosch heat pump. Outbuildings painted and reroofed, landscaping updated, old trees removed, and a new front door. Nice flat yards, front and back, paved all the way to the oversized carport, move in ready, great location!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

2/10
Cullowhee Valley SchoolGrades PK-80.4 mi
9/10
6/10
Smoky Mountain HighGrades 9-124.1 mi

Construction

Condition

  • Year built: 1970

Materials

  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Dryer,Dishwasher,Electric Cooktop,Disposal,Microwave,Refrigerator,Washer
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Ceiling Fan(s),Entrance Foyer,Eat-in Kitchen,High Speed Internet
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Ceiling Fan(s),Electric,Heat Pump

Living Room

  • Level: First

Property

Details

  • Parcel number: 7558088574
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Deck,Front Porch
  • Exterior features: Private Yard,Propane Tank - Leased
  • Has view: Yes
  • View description: Mountain(s)
  • Waterfront features: None
  • Topography of land: Level
  • Living area range: 1001-1500

Lot

  • Lot size: 0.62 Acres
  • Features: Back Yard,Front Yard,Level

Parking

  • Total spaces: 1
  • Parking features: Attached Carport,Asphalt,Driveway
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 $1,959$23,508
Home Insurance *$119$1,428
Property Taxes $157$1,884
Electricity $200$2,405
Total$2,435$29,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,485/yr
40% on housing$73,050/yr
45% on housing$64,933/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 28723$314
Jackson County$444

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
2026-08-15Listing removed$2,000
2026-08-03Listed for rent$2,000
2026-06-29Price change$387,500
2026-05-20Listed for sale$395,000
2023-07-27Sold$259,000
2021-01-08Sold$160,000
2021-01-06Contingent$179,800
2020-07-11Pending sale$179,800
2020-07-09Listed for sale$179,800

For Sale by Agent

AgentMark Brooks
BrokerageSundog Realty

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