654 Ratcliff Cove Road
Waynesville, NC, 28786 $ 490,000
Bedrooms3 Baths1.2 Sq 2,101 Monthly Estimate*
$ 3,384
for $490,000 with 3 bedrooms and 1 full bath, 2 half baths. This 2,101 square foot home was built in 1951 on a lot size of 0.4.
Nestled in the highly sought-after Ratcliff Cove community, this inviting brick farmhouse blends timeless charm with modern convenience on a beautiful 0.40-acre level lot. Recent updates include a new roof, gutters and gutter guards, fresh paint, new kitchen flooring with granite countertops and sink, a new bathroom vanity, and a new city water tap with well backup. Three bedrooms, one full bath, and two half baths provide comfortable living, while two bonus rooms offer flexible space for an office, hobby room, guest suite, or storage. A welcoming foyer opens to a gracious formal living room and separate formal dining area, ideal for entertaining. The spacious kitchen flows into the cozy family room, with abundant natural light through updated vinyl windows and updated electrical service for peace of mind. Outside, an expansive uncovered rear deck overlooks the private level lot—perfect for relaxing, gardening, or gatherings—while covered front and side porches invite you to enjoy the mountain air. Amenities include unfinished space with a single-car garage in the huge open basement, a main-level single-car carport, and generous parking. Just 10 minutes from Downtown Waynesville with easy I-40 access, this home offers peaceful country living with convenient access to shopping, dining, and amenities.
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FeaturesGeneralLiving Area 2101
Sewer Septic Installed
Heating Central Oil
Cooling Attic Fan Window Unit(s)
Roof Architectural Shingle
Appliances Dishwasher Electric Oven Electric Range Microwave Refrigerator
Garage Spaces 1
Patio/Porch Features Covered Deck Front Porch Side Porch
Architectural Style Cape Cod Farmhouse
Construction Materials Brick Full
Year Built 1951
View Mountain(s) Year Round
Levels Two
Property Subtype Single Family Residence
Parcel Number 8625-28-2131
Elevation 2500
Additional Parcels Description a portionof 8625-27-2818
County Haywood
New Construction N
Property Type Residential
HOA N
Subdivision Name None
Garage Y/N Y
Full Baths 1
Directions Raccoon to Ratcliff Cove Rd. 654 is on the right
High School Tuscola
City Waynesville
Senior Community Y/N N
Lot Size Units Acres
Carport Spaces 1
Carport Y/N Y
Elementary School Junaluska
Middle/Junior High School Waynesville
Additional Parcels Y/N Y
Standard Status Active
Construction Type Site Built
Tax Assessed Value 236000
Listing Terms Cash Conventional
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InteriorInterior Amenities Pantry
Basement Basement Shop Exterior Entry Full Interior Entry Storage Space Unfinished Walk-Out Access
Flooring Tile Vinyl Wood
Fireplace Features Living Room
Basement (Y/N) Y
Window Features Insulated Window(s)
Fireplace Y/N Y
Above Grade Finished Area 2101
Half Baths 2
Laundry Features In Basement
Total Bedrooms 3
Below Grade Finished Area 0
Total Baths 3
SqFt Main 1586
SqFt Lower 0
SqFt Upper 515
Bedroom 3
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ExteriorParking Features Basement Attached Carport Driveway
Lot Features Cleared Level Views
Water Source City
Lot Size Area 0.4
Foundation Details Basement
Road Surface Type Concrete Paved
Road Responsibility Publicly Maintained Road
Main Level Garage YN N
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* Excluded FeaturesList ByHoward Hanna Beverly-Hanks WaynesvilleBroker
Affordability Calculator
- Monthly Principal & Interest
- $3,384
- Monthly Property Taxes
- --
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Waynesville, NC
Average List Price $632,348
Percent of Sale Price 29%
About Waynesville, NC 10,446 Population
8% Since 2002
$ 39,520 Median Income
45.92 Median Age
20% Households with Children
Trends Information provided by ATTOM Data Solutions.
2172556 Elementary School
1604048 Middle School
Tuscola High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 9/30/2026 | $490,000 | | Listed Price |