Single Family Residence at 108 Payne Drive, Zirconia
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$590,000

108 Payne Drive
Zirconia, NC 28790
Listed by Joe Buell · Carolina Living Associates LLC
Bedrooms
3
Bathrooms
2.5
Living area
1,691 sqft
Year built
2026

About this home

Welcome to 108 Payne Drive, a brand-new custom-built home tucked into a peaceful wooded setting in Zirconia. With 1,691 square feet, 3 bedrooms, and 2.5 baths, this home feels comfortable, open, and easy to live in from the moment you walk through the door. The main living area brings the kitchen, dining, and living spaces together in one open layout, with elevated finishes that give the home a clean, custom feel. Craftsman-style doors and trim add character throughout, while the kitchen offers plenty of workspace and includes a refrigerator. The primary suite stands out, with a spacious bath featuring both a walk-in shower and a soaking tub. Out back, the large deck may be one of the house's best spots. It overlooks a quiet, wooded setting with plenty of privacy, making it ideal for morning coffee, evening dinners, or simply enjoying the mountain air. If you have been looking for new construction with thoughtful finishes, a private setting, and the feel of a mountain retreat without giving up everyday comfort, this one is worth seeing. Additional acreage available for purchase, up to 37+ acres.

Highlights

New construction

Property details

MLS
Canopy MLS
MLS #
CAR4433124
Property type
Single Family Residence
Subdivision
None
Status
Active
Days on market
1
On market date
October 12, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
N/A
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
Hendersonville Elementary
8.65 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
321
Student:teacher ratio
14.6:1
District
Henderson County Schools
Middle
Flat Rock Middle
4.35 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
2.3
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: D (2025)
Enrollment
761
Student:teacher ratio
15.5:1
District
Henderson County Schools
High
East Henderson High
6.11 mi away · Grades 9-12
Zoned school (attendance boundary, 2015-16 data)
3.7
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
910
Student:teacher ratio
15.2:1
District
Henderson County Schools

Walkability

Blended score for Zirconia'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).

16
Very car-dependent
out of 100
EPA National Walkability Index
5.3 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Mortgage calculator

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

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Adjust tax / insurance estimates
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/mo
Est. monthly payment
$3,703/mo
$118,000 down
$472,000 loan
Principal & interest$3,061
Property tax (est.)$492
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 4 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.