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35 Osceola Trl, Whittier, NC, 28789

3beds
2baths
1,686sqft
$439,000
$260price/sqft
$2,729/moest. monthly cost
$109,160/yrincome needed

About This Home

If you've ever dreamt of living in an A-Frame in the mountains and/or owning a successful vacation rental, this is the one! This beautiful home that is currently a successful short-term rental sits on an acre of peaceful wooded land. It's the perfect distance from downtown Sylva and Dillsboro and is just gorgeous on the inside and out! Home has an open floor-plan with 2 beds, one bath on the main floor with a large primary bedroom and en-suite bath with claw-foot tub on the upper loft level. Spacious kitchen features granite countertops and wood cabinets. Floors are solid wood and tile. Recent renovations include a central AC/heat in 2017, a new roof and whole-house generator in 2020, septic system and exterior paint in 2025. Outside, you can relax on your extra-large deck out front with beautiful winter views of the valley stretching out in front of you or sit around your firepit in your woodsy backyard. Location is ideal – just far enough out to feel remote and close enough for an easy night on the town. Within an easy drive to Sylva, Dillsboro, Smoky Mountain National Park, Harrah's Casino, Bryson City, Waynesville, and Asheville Airport!

Getting Around

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

Schools

4/10
6/10
Smoky Mountain HighGrades 9-125.7 mi
9/10

Construction

Condition

  • Year built: 1978

Materials

  • Roof: Metal
  • Construction materials: HardiPlank Type,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Chalet
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Water Filter System,Microwave,Electric Oven/Range,Refrigerator,Washer,Dryer,Electric Water Heater

Basement

  • Basement: None,Crawl Space

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Features

  • Breakfast Bar,Cathedral/Vaulted Ceiling,Ceiling Fan(s),Ceramic Tile Bath,Living/Dining Room,Primary w/Ensuite,Open Floorplan
  • Door features: Doors-Storm Part,Doors-Insulated
  • Window features: Windows-Storm All,Insulated Windows
  • Flooring: Hardwood,Ceramic Tile
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,686
  • Total interior livable area: 1,686 sqft

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 7633350924
  • Other equipment: Generator

Features

  • Patio & porch: Deck
  • Has spa: Yes
  • Spa features: Hot Tub/Spa
  • Has view: Yes
  • View description: Valley,View-Winter
  • Residential vegetation: Partially Wooded
  • Living area range: 1601-1800

Lot

  • Lot size: 1.05 Acres
  • Features: Hilly/Steep,Unrestricted

Parking

  • Parking features: No Garage,None-Carport

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 $2,219$26,628
Home Insurance *$180$2,160
Property Taxes $130$1,560
Electricity $200$2,405
Total$2,729$32,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,565/yr
40% on housing$81,870/yr
45% on housing$72,773/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

$260This 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
2026-08-15Price change$419,000
2026-07-30Price change$439,000
2026-07-05Listed for sale$475,000
2017-11-02Sold$182,000
2017-09-07Pending sale$192,000
2017-05-11Listed for sale$192,000
2005-08-19Sold$136,000

For Sale by Agent

AgentAdam Ehlmann
BrokerageKeller Williams Great Smokies - Sylva

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