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66 Cooper Farm Rd, Whittier, NC, 28789

3beds
3baths
3,088sqft
$449,000
$145price/sqft
$2,856/moest. monthly cost
$114,240/yrincome needed

About This Home

HANDICAP ACCESSIBLE — OWNER FINANCING AVAILABLE — This fully updated 3-bedroom, 3-bath home features over 3,000 sq. ft. of inviting living space in a convenient location just minutes from the casino and an easy drive to Sylva and Bryson City. The open floor plan offers a bright, airy feel, complemented by a completely new kitchen designed for both everyday use and entertaining. The main level is thoughtfully designed for accessibility, including a custom handicap-accessible shower for ease and comfort. Step outside to enjoy a spacious covered porch or unwind on the lower-level patio off the daylight basement—perfect for taking in the peaceful mountain surroundings or hosting guests. The large basement adds incredible versatility, whether you need extra storage, a workshop, recreation space, or room to expand. Additional features include a two-car attached carport, shared well, and private septic. With its recent upgrades, accessible layout, and desirable location, this home is ready for its next owner.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
7/10
Jackson Co Early CollegeGrades 9-128.8 mi
5/10
Smoky Mountain HighGrades 9-128.9 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Raised Ranch
  • Property subType: Residential,Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Refrigerator,Washer,Dryer,Electric Water Heater
  • Laundry features: First Level

Basement

  • Has basement: Yes
  • Basement: Full,Daylight,Recreation/Game Room,Workshop,Exterior Entry,Interior Entry,Finished Bath,Lower/Terrace

Bedroom2

  • Level: First

Bedroom3

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Features

  • Breakfast Bar,Ceiling Fan(s),Ceramic Tile Bath,Kitchen/Dining Room,Large Master Bedroom,Living/Dining Room,Main Level Living,Primary w/Ensuite,Primary on Main Level,New Kitchen,Open Floorplan,Rec/Game Room,Workshop
  • Door features: Doors-Insulated
  • Window features: Insulated Windows
  • Flooring: Hardwood,Concrete
  • Fireplace features: None
  • Attic: Storage Only

Heating & Cooling

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

Interior Area

  • Total structure area: 3,088
  • Total interior livable area: 3,088 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Handicap Design,Interior Handicapped Accessible,Exterior Handicapped Accessible

Details

  • Parcel number: 7613076845

Features

  • Levels: Two
  • Patio & porch: Deck,Porch
  • Living area range: 3001-3200

Lot

  • Lot size: 0.88 Acres
  • Features: Open Lot,Unrestricted

Parking

  • Parking features: Carport-Double Attached
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Hail
Ice Storm
Landslide
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 $2,270$27,240
Home Insurance *$184$2,208
Property Taxes $115$1,380
Electricity $287$3,451
Total$2,856$34,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,920/yr
40% on housing$85,680/yr
45% on housing$76,160/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

$145This 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)

No zestimate history available

Price History

DateEventPrice
2026-05-01Price change$449,000
2025-10-05Listed for sale$450,000
2024-12-19Sold$275,000
2024-11-15Contingent$280,000
2024-07-30Price change$280,000
2024-06-10Listed for sale$305,000

For Sale by Agent

AgentDakota Winchester
BrokerageWinchester Realty Of Nc, LLC

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