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Plat with Artist Rendering of suggested building sites and approximate location of assess road to each lot.
23 photos

$650,000

Nebo, NC 28761
Listed by Bryan Jones · Keller Williams Unified
Bedrooms
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Bathrooms
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Living area
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Year built
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About this home

There are pieces of land that feel like they have been waiting on someone. Not in a restless way, but with a quiet patience, as if they already know what they are and simply need the right steward to come along. Lot 1 on Clayton Island is one of those places. Set on approximately 1.84 acres, this remarkable waterfront property forms part of a rare three lot peninsula that stretches gracefully into the main channel of Lake James, just beyond Bear Creek Marina. From above, it looks like something drawn by a careful hand. From the ground, it feels even better. The land itself offers a gentle, usable building site, something that is not always guaranteed along the shores of Lake James. The walk to the water is easy and inviting, not a chore but a quiet transition from home to lake. Waiting at the shoreline is a private, oversized floating dock already in place, as if it has been expecting you all along. Views stretch outward across the water toward the mountains, long and steady, changing with the light and the seasons but never losing their sense of calm. The setting is wooded and private, giving you room to breathe while still placing you squarely in the heart of one of North Carolina’s most treasured lakes. There is NO HOA, no HOA dues with ownership of this lot offering flexibility for those looking to create a private estate, a second home, or a place to gather generations under one roof. Water and septic will be needed. It is not often that land like this becomes available. Waterfront, usable, private, and positioned in such a way that it feels both connected and set apart at the same time. If you have been waiting for a piece of Lake James that offers both beauty and possibility, you may find that this one has been waiting on you just the same.

Property details

MLS #
CAR4275035
Property type
Lot
Subdivision
N/A
Status
Active
Days on market
360
On market date
N/A
Stories
N/A
Garage spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary
North Cove Elementary School
5.09 mi away · Grades -1-5
Zoned school (attendance boundary, 2015-16 data)
1.9
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: F (2025)
Enrollment
220
Student:teacher ratio
13.8:1
District
McDowell County Schools
Middle
West McDowell Middle School
5.58 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
3.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
648
Student:teacher ratio
15.8:1
District
McDowell County Schools
High
McDowell Early College
6.3 mi away · Grades 9-13
Zoned school (attendance boundary, 2015-16 data)
3.8
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
254
Student:teacher ratio
23.1:1
District
McDowell County Schools

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Est. monthly payment
$4,064/mo
$130,000 down
$520,000 loan
Principal & interest$3,373
Property tax (est.)$542
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated June 24, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.