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122 Ramsey Rd, Asheville, NC, 28806

3beds
3baths
1,417sqft
$449,900
$318price/sqft
$2,858/moest. monthly cost
$114,320/yrincome needed

About This Home

Welcome to 122 Ramsey Road! This meticulously maintained mountain home offers the perfect blend of country charm and modern convenience, all within a short 20-minute drive to downtown Asheville. The residence features a welcoming rocking chair front porch and a spacious, level front yard. Inside, the main-level primary suite provides an elegant retreat, complete with double sinks, a large soaking tub, and a walk-in closet. The kitchen is well-appointed with a central island and a cozy breakfast nook, ideal for casual dining. Upstairs, you'll find two additional bedrooms, offering plenty of space for family or guests. The expansive bonus family room provides additional room for relaxation or entertainment. For added convenience, the home includes an oversized two-car garage, perfect for your car enthusiast, extra storage, or shop space. This exceptional property is a rare find—don’t let the opportunity pass you by.

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
1
BikeSomewhat Bikeable

Schools

10/10
West Buncombe ElementaryGrades K-42.2 mi
6/10
3/10
Clyde A Erwin HighGrades PK,9-122.0 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Modular

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven,Refrigerator
  • Laundry features: Laundry Closet

Bathroom Full

  • Level: Main
  • Area: 107.0086
  • Dimensions: 11' 2" X 9' 7"

Bathroom Full

  • Level: Upper
  • Area: 45.5886
  • Dimensions: 8' 2" X 5' 7"

Bathroom Half

  • Level: Lower
  • Area: 14.7489
  • Dimensions: 6' 4" X 2' 4"

Bedroom S

  • Level: Upper
  • Area: 166.79
  • Dimensions: 13' 0" X 12' 10"

Bedroom S

  • Level: Upper
  • Area: 206.9375
  • Dimensions: 10' 9" X 19' 3"

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper
  • Area: 279.1664
  • Dimensions: 23' 5" X 11' 11"

Breakfast

  • Level: Main
  • Area: 107.25
  • Dimensions: 8' 3" X 13' 0"

Features

  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,417

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,417
  • Total interior livable area: 1,417 sqft

Kitchen

  • Level: Main
  • Area: 164.71
  • Dimensions: 12' 8" X 13' 0"

Living Room

  • Level: Main
  • Area: 206.72
  • Dimensions: 16' 0" X 12' 11"

Primary Bedroom

  • Level: Main
  • Area: 209.28
  • Dimensions: 13' 1" X 16' 0"

Property

Details

  • Parcel number: 971034374000000
  • Zoning: OU
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Front Porch

Lot

  • Lot size: 0.87 Acres
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Landslide
Strong Wind
Wildfire
Winter Weather

FEMA Declared Disasters in Buncombe 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 $2,274$27,288
Home Insurance *$124$1,488
Property Taxes $260$3,120
Electricity $200$2,405
Total$2,858$34,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,988/yr
40% on housing$85,740/yr
45% on housing$76,213/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$318This listing

vs Other Active Listings

Avg $/sqft

ZIP 28806$221
Buncombe County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28806$295
Buncombe County$278

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
2026-04-09Price change$449,900
2025-12-06Price change$475,000
2025-10-01Price change$489,900
2025-07-01Price change$499,999
2025-05-01Listed for sale$550,000
2025-04-08Listing removed$550,000
2025-03-20Listed for sale$550,000
2011-09-07Listing removed$230,000
2011-04-02Price change$230,000
2010-12-20Listed for sale$235,900
2007-01-24Sold$215,000

For Sale by Agent

AgentDave Cash
BrokerageUnique: A Real Estate Collective

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