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315 Honey Locust Trl, Whittier, NC, 28789

3beds
2baths
1,660sqft
$459,900
$277price/sqft
$2,845/moest. monthly cost
$113,800/yrincome needed

About This Home

PRICE IMPROVEMENT on this charming 3-bedroom, 2-bath home is perfectly situated in a peaceful wooded setting just 15 minutes from Harrah’s Casino and conveniently located between Sylva and Bryson City. Surrounded by a lovely woodland setting, the property offers tranquility and privacy while remaining close to shopping and dining. The main living area offers a cozy open floor plan ideal for everyday living and entertaining. A covered front porch provides the perfect place to relax with your morning coffee or unwind at the end of a long day. The spacious backyard offers plenty of room for pets, gardening, or outdoor gatherings. A paved circular driveway provides easy access and ample parking for family and guests. FURNITURE INCLUDED--OWNER FINANCING OFFERED.

Getting Around

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

Schools

4/10
9/10
6/10
Smoky Mountain HighGrades 9-129.8 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Crawl Space
  • Construction materials: Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: In Kitchen

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,660

Heating & Cooling

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

Interior Area

  • Total structure area: 1,660
  • Total interior livable area: 1,660 sqft

Primary Bedroom

  • Features: En Suite Bathroom
  • Level: Upper
  • Area: 290.0436
  • Dimensions: 18' 11" X 15' 4"

Property

Details

  • Parcel number: 7603340960
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Fencing: Back Yard,Partial,Privacy

Lot

  • Lot size: 0.74 Acres
  • Features: Wooded

Parking

  • Parking features: Circular 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
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Strong Wind
Drought
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 $2,325$27,900
Home Insurance *$189$2,268
Property Taxes $131$1,572
Electricity $200$2,405
Total$2,845$34,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,542/yr
40% on housing$85,350/yr
45% on housing$75,866/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

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 28789$198
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
2026-08-04Price change$449,900
2026-07-03Listed for sale$459,900
2012-09-28Sold$200,000

For Sale by Agent

AgentCarolyn Cornblum
BrokerageRE/MAX Results

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