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Under contract
  • $729,000

    221 White Oak Trail, Banner Elk, NC 28604

    3beds
    1,962sqft
    : 
    $4,202/mo
    Get pre-qualified
    Single Family Residence
    Built in 1987
    7.04 Acres Lot
    $720,600 Zestimate®
    $372/sqft
    $64/mo HOA

    What's special

    Custom timber frame homeRich wood finishesAttached sunroomExposed timber beamsVaulted ceilingsOversized decksSpacious kitchen
    Beautifully crafted and meticulously maintained custom timber frame home on 7 acres in the heart of Valle Crucis. Offered furnished, including tools, this home is ready for immediate enjoyment. Exposed timber beams, vaulted ceilings, rich wood finishes, oversized decks, and a stunning floor-to-ceiling stone fireplace create a warm mountain atmosphere while showcasing the exceptional craftsmanship found throughout. The spacious kitchen features custom cabinetry, a center island, and flows seamlessly into the dining room and living room, creating an inviting space for everyday living and entertaining. Large windows fill the space with natural light while glass doors welcome you outside onto to the expansive wrap around deck. The main level also includes the primary suite with an ensuite bath and attached sunroom. A laundry room and half bath complete the main level. Upstairs, a loft overlooking the living room is currently set up as a home office, while two additional bedrooms and a full bath provide comfortable accommodations for family and guests. The lower level offers exceptional flexibility. Stairs lead from the main level to the heated and cooled two-car garage, complete with a dedicated workshop area along the back wall. An adjoining finished space expands the possibilities, making room for a home gym, art studio, office, hobby room, or additional recreation space, with plenty of room for storage as well. As you arrive, two driveways provide ample parking for guests, recreational vehicles, or multiple cars. Mature landscaping with easy-to-care-for perennial gardens complements the natural surroundings, while the expansive wraparound decks offer multiple places to relax and enjoy the peaceful, wooded setting. A detached studio adds even more versatility as a workshop, art studio, potting shed, or additional storage. Short- and long-term rentals are permitted, offering flexibility as a full-time residence, mountain getaway, or investment opportunity. Located just minutes from the original Mast General Store, Valle Crucis Community Park, and the Watauga River, and only 20 minutes from both downtown Boone and downtown Banner Elk, you'll enjoy easy access to some of the High Country's most beloved destinations while coming home to your own peaceful mountain retreat.
    26 days
    |
    2,487
    |
    209
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    Zillow last checked:

    Listing updated:

    Listed by:

    Caroline Potts (803)367-1599,

    Keller Williams High Country,

    Leslie Eason 828-406-0828,

    Keller Williams High Country

    Source: High Country AOR,MLS#: 263177MLS LogoOriginating MLS: High Country Association of Realtors Inc.

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Heating
      • Baseboard, Electric, Forced Air, Fireplace(s), Propane
      Cooling
      • Central Air, Electric, 1 Unit
      Appliances
      • Included: Dryer, Dishwasher, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer
      • Laundry: Main Level
      Features
      • Furnished, Skylights, Vaulted Ceiling(s)
      • Windows: Skylight(s)
      • Basement: Partially Finished
      • Attic: None
      • Number of fireplaces: 1
      • Fireplace features: One, Gas, Stone, Vented, Propane
      • Furnished: Yes
      Interior area
      • Total structure area: 1,962
      • Total interior livable area: 1,962 sqft
      • Finished area above ground: 1,962
      • Finished area below ground: 0
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Attached, Driveway, Garage, Two Car Garage, Gravel, Private
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Multiple, Open
      • Exterior features: Out Building(s), Storage, Gravel Driveway
      • Has view: Yes
      • View description: Mountain(s), Trees/Woods
      Lot
      • Size: 7.04 Acres
      Details
      • Additional structures: Outbuilding, Shed(s)
      • Parcel number: 1980469483000

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Mountain,Traditional
      • Property subtype: Single Family Residence
      Materials
      • Wood Siding, Wood Frame
      • Roof: Architectural,Shingle
      Condition
      • Year built: 1987

      Utilities & green energy

      • Sewer: Private Sewer, Septic Tank
      • Water: Shared Well
      • Utilities for property: Septic Available

      Community & HOA

      Community
      • Features: Long Term Rental Allowed, Short Term Rental Allowed
      • Subdivision: Hickory Ridge
      HOA
      • Has HOA: Yes
      • HOA fee: $765 annually
      Location
      • Region: Banner Elk

      Financial & listing details

      • Price per square foot: $372/sqft
      • Tax assessed value: $639,000
      • Annual tax amount: $2,032
      • Date on market: 7/15/2026
      • Listing terms: Cash,Conventional,New Loan,VA Loan
      • Road surface type: Paved

        Estimated market value

        $720,600

        $685,000 - $757,000

        $2,718/mo

        Price history

        DateEventPrice
        7/24/2026Contingent$729,000$372/sqft
        Source: High Country AOR #263177 Report a problem
        7/15/2026Listed for sale$729,000$372/sqft
        Source: High Country AOR #263177 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025-- $639,000
        2024$2,454 $639,000
        2023$2,454 +0.9%$639,000
        2022$2,432 +26.7%$639,000 +57.4%
        2021$1,919 $405,900
        2020$1,919 $405,900
        2019-- $405,900
        2018-- $405,900
        2017$1,716 +10.5%$405,900 -3.7%
        2013$1,553 $421,600
        2012-- $421,600
        2011-- $421,600
        2010-- $421,600
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 28604

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Valle Crucis
        • High: Watauga

        Source: High Country AOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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