Single Family Residence at 654 Ratcliff Cove Road, Waynesville
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$490,000

654 Ratcliff Cove Road
Waynesville, NC 28786
Listed by Brian K. Noland · Howard Hanna Beverly-Hanks Waynesville
Bedrooms
3
Bathrooms
2
Living area
2,101 sqft
Year built
1951

About this home

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.

Highlights

Fireplace

Property details

MLS
Canopy MLS
MLS #
CAR4430144
Property type
Single Family Residence
Subdivision
None
Status
Active
Days on market
1
On market date
September 30, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
1
Parking spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Junaluska Elementary
1.06 mi away · Grades 0-5
Zoned school (attendance boundary, 2015-16 data)
4.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
409
Student:teacher ratio
13.6:1
District
Haywood County Schools
Middle
Waynesville Middle
2.32 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
2.6
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: D (2025)
Enrollment
767
Student:teacher ratio
14.5:1
District
Haywood County Schools
High
Haywood Early College
2.82 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
191
Student:teacher ratio
23.9:1
District
Haywood County Schools

Walkability

Blended score for Waynesville's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

15
Very car-dependent
out of 100
EPA National Walkability Index
5.0 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Waynesville, from live MLS data.

On the market 1 days -- 196 fewer days than Waynesville's current average of 197 days.
For reference, the median list price across 588 active listings in Waynesville right now is $309,950.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$3,101/mo
$98,000 down
$392,000 loan
Principal & interest$2,543
Property tax (est.)$408
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 16 days ago.

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.