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2128 Yellow Mountain Rd, Cullowhee, NC, 28723

3beds
3baths
2,062sqft
$699,900
$339price/sqft
$4,163/moest. monthly cost
$166,520/yrincome needed

About This Home

Beautiful 3 bedroom, three full bath house located on Yellow Mountain Rd. Country living, yet close to Cashiers, Highlands, and Franklin. Enjoy the convenience of one level with the added benefit of a large bonus room and workshop area in the basement. all carpet in the house is new. Large 2 car garage has an 18' door with almost 8' of vertical clearance. Large room in basement behind garage could be used for workshop or rec room. In addition, the basement features a 600 sq ft finished room with heating and A/C ducts. The kitchen has vast cabinet storage, large single hammered copper sink, gas stove, microwave and dishwasher. Enjoy worry free living when you have a whole house generator with its own propane tank. Furnace and stove have separate propane tank. A fenced in area allows privacy and security for your pets. Living room and 2 bedrooms have doors to access the elevated deck in the back yard. On the ground level, there is a screened in porch. Access to the garage is from Brahman Lane while there is also access to the main entrance from Yellow Mountain Rd. Two acres provides opportunities for gardening and privacy. 4,000 feet elevation means cool summers!

Getting Around

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

Schools

5/10
Blue Ridge SchoolGrades PK-63.3 mi
7/10
Jackson Co Early CollegeGrades 9-1214.3 mi

Construction

Condition

  • Year built: 2006

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Single,Raised Ranch
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Microwave,Gas Oven/Range,Refrigerator,Electric Water Heater
  • Laundry features: First Level

Basement

  • Has basement: Yes
  • Basement: Full,Recreation/Game Room,Exterior Entry,Interior Entry

Bedroom2

  • Level: First
  • Area: 262

Bedroom3

  • Level: First
  • Area: 144

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 120

Features

  • Bonus Room,Breakfast Bar,Cathedral/Vaulted Ceiling,Ceiling Fan(s),Ceramic Tile Bath,Formal Dining Room,Great Room,Kitchen/FR Combo,Large Master Bedroom,Main Level Living,Primary w/Ensuite,Primary on Main Level,Open Floorplan,Rec/Game Room,Walk-In Closet(s),Workshop
  • Door features: Doors-Insulated
  • Window features: Insulated Windows,Screens,Window Treatments
  • Flooring: Carpet,Some Hardwoods,Ceramic Tile
  • Fireplace features: Gas Log,Stone
  • Fireplace: Yes
  • Attic: Access Only

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,062
  • Total interior livable area: 2,062 sqft

Master Bedroom

  • Level: First
  • Area: 273

Property

Details

  • Parcel number: 7553230036
  • Other equipment: Generator

Features

  • Patio & porch: Deck,Porch,Screened Porch/Deck
  • Spa features: Bath
  • Fencing: Fenced Yard
  • Has view: Yes
  • View description: Short Range View,View-Winter,View Year Round
  • Living area range: 2001-2200

Lot

  • Lot size: 1.93 Acres
  • Features: Elevation over 3000,Elevation over 4000,Level,Level Yard,Open Lot

Parking

  • Parking features: Garage-Double in Basement,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Hail
Ice Storm
Landslide
Strong Wind
Tornado

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 $3,539$42,468
Home Insurance *$215$2,580
Property Taxes $209$2,508
Electricity $200$2,405
Total$4,163$49,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,731/yr
40% on housing$124,890/yr
45% on housing$111,013/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

$339This listing

vs Other Active Listings

Avg $/sqft

ZIP 28723$303
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
2026-05-05Price change$719,900
2026-03-01Listed for sale$749,900
2020-01-03Sold$320,000
2019-12-06Pending sale$379,000
2019-10-31Price change$379,000
2019-08-27Price change$399,000
2019-06-19Listed for sale$425,000

For Sale by Agent

AgentJack Lurie
BrokerageLurie Realty

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