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491 High Top Dr, Fletcher, NC, 28732

2beds
3baths
1,769sqft
$519,000
$293price/sqft
$3,206/moest. monthly cost
$128,240/yrincome needed

About This Home

Perched above it all. Connected to everything. From the moment you step out of the car, when the Blue Ridge opens up in every direction and you understand exactly what this place is. Not just a house. A vantage point. A destination. A retreat that happens to sit just minutes from one of the most beloved cities in the South. Built with a sharp eye for mountain modern living, this two-story modern cottage-style home announces itself with a striking dark exterior, forest-green metal roof, and the kind of confident, clean lines that look right at home against a backdrop of endless ridgelines. Inside, soaring cathedral ceilings clad in warm pine tongue-and-groove draw your eye upward — then the wall of windows pulls it right back outside, where layers of green canopy give way to the Blue Ridge beyond. The great room is generous and gathering-ready, with room for everyone to spread out under the glow of chandelier light and the warmth of wood overhead. Hardwood floors, open sightlines, and French doors leading to the deck make the inside and outside feel like one continuous living space.Step outside and the property delivers in every direction. A large, freshly built wood deck with lounge seating and a grill is made for slow evenings under the string lights. A private hot tub sits just off the deck on its own cedar platform — the perfect end to a day on the trails. Beneath the elevated deck, a hanging lounge chair suspended amid the timber framing offers one of the more unique spots on the property: shaded, breezy, and pointed directly at the mountains. The cleared, gently sloping grounds offer generous open space — room to breathe, to gather around a fire pit, to simply stand still and take it all in. The moment you turn up your mountain road, the city falls away. What's left is birdsong, wind through hardwoods, and the feeling that you've arrived HOME!

Getting Around

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

Schools

6/10
Fletcher ElementaryGrades PK-56.5 mi
6/10
Apple Valley MiddleGrades 6-87.7 mi
7/10
North Henderson HighGrades 9-127.6 mi

Construction

Condition

  • Year built: 2008

Materials

  • Roof: Metal
  • Construction materials: Fiber Cement,Hardboard Siding,Shingle/Shake

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Electric Oven,Electric Water Heater,Exhaust Fan,Exhaust Hood,Oven,Refrigerator,Washer,Washer/Dryer
  • Laundry features: Utility Room,Inside,Main Level

Basement

  • Features: Storage
  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Basement Shop,Bath/Stubbed,Daylight,Exterior Entry,Storage Space,Walk-Out Access

Bathroom Full

  • Features: Ceiling Fan(s)
  • Level: Main

Bathroom Full

  • Features: None
  • Level: Upper

Bathroom Half

  • Features: None
  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Features: Breakfast Bar,Cathedral Ceiling(s),Ceiling Fan(s),Open Floorplan
  • Level: Main

Features

  • Breakfast Bar,Open Floorplan
  • Door features: French Doors,Insulated Door(s)
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Linoleum,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,769

Flex Space

  • Features: Ceiling Fan(s)
  • Level: Upper

Heating & Cooling

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

Interior Area

  • Total structure area: 1,769
  • Total interior livable area: 1,769 sqft

Kitchen

  • Features: Breakfast Bar
  • Level: Main

Laundry

  • Features: Storage
  • Level: Main

Living Room

  • Features: Cathedral Ceiling(s),Ceiling Fan(s),Open Floorplan
  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),Computer Niche,En Suite Bathroom
  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),Computer Niche,En Suite Bathroom
  • Level: Upper

Property

Details

  • Parcel number: 9945937
  • Zoning: R3
  • Special condition: Standard
  • Exclusions: n/a
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Front Porch,Patio,Rear Porch
  • Exterior features: Fire Pit
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Long Range,Mountain(s),Winter,Year Round
  • Waterfront features: None

Lot

  • Lot size: 3.20 Acres
  • Features: Cleared,Green Area,Hilly,Level,Private,Rolling Slope,Views

Parking

  • Total spaces: 4
  • Parking features: Circular Driveway,Driveway,RV Access/Parking
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Henderson 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 $2,624$31,488
Home Insurance *$157$1,884
Property Taxes $225$2,700
Electricity $200$2,405
Total$3,206$38,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,920/yr
40% on housing$96,180/yr
45% on housing$85,493/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.3%
5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$293This listing

vs Other Active Listings

Avg $/sqft

ZIP 28732$232
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28732$248
Henderson County$254

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
2026-05-08Listed for sale$545,000
2022-05-18Sold$441,000
2022-04-11Contingent$385,000
2022-04-08Listed for sale$385,000
2020-08-31Sold$250,000

For Sale by Agent

AgentTom Metcalf
BrokerageRealty ONE Group Pivot Asheville

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