View All Henderson County NC FHA Loan Homes Listings

697 Courtney  Drive, Hendersonville
$295,000
2 Beds ⋅ 2 Baths ⋅ 4429227 MLS
*THIS HOME CAN EASILY FUNCTION AS A 3 BEDROOM* *POTENTIAL FOR 0% CASH DOWN* Affordable, private, and close to town! This site-built Hendersonville cottage offers a hard-to-find price point with the flexibility to work with conventional, FHA, VA, or USDA financing. The main level features 2 bedrooms and a full bath along with an updated kitchen featuring new cabinetry, new appliances, and a clever fold-down eating counter that maximizes space. Updated decking provides a great spot to relax and enjoy the peaceful, wooded setting. The walk-out basement adds valuable additional living space with a bonus room (could function as a 3rd bedroom), full bathroom, fireplace, and new flooring. Significant professional improvements have also been made downstairs, including new drywall and insulation, baseboard heaters, a new water heater, vapor barrier, and sump pump/channel drainage system. Step directly from the lower level onto new decking overlooking the private backyard, with power already in place for a future hot tub. Outside, the owners have put considerable care into the property, adding apple, pear, peach, fig, and elderberry plantings throughout the landscape. A generator hookup provides added peace of mind, and the generator conveys with the home. Enjoy a private setting just minutes from Hendersonville while remaining outside the city limits with no city taxes. At $295,000, this is a great opportunity for buyers looking for an affordable site-built home with updates, additional lower-level space, and room to enjoy the outdoors.

697 Courtney Drive, Hendersonville

182 Wakti Ridge  Road, Saluda
$300,000
3 Beds ⋅ 2 Baths ⋅ 4376709 MLS
Historic 1916 Ridge-Top Farmhouse & Guest Cottage – A Restoration Dream! Embrace the charm of a classic 1916 farmhouse tucked away in a serene, private forest setting. Perched on a sunny, south-facing ridge this property offers the tranquil seclusion of country living on a perfectly manageable footprint. Enjoy plenty of room to garden beneath established pear trees and excellent solar potential without the overwhelming upkeep of a massive acreage. This 1,700 sq. ft., 3-bedroom home is a diamond in the rough with incredible historic bones. Step inside to find original character at every turn, from classic beadboard walls to softwood floors bearing their original sawblade marks. The main house features a spacious family room, a cozy living room, a formal dining area, and a full bath complete with a classic clawfoot tub. Much of the heavy lifting has already been done: the home was extensively updated 30 years ago with modernized plumbing, electrical, and a high-yield deep well (425 ft / 10 GPM). The trouble-free septic system has been recently inspected, pumped, and comes with a clean bill of health. Bonus Living Space: The property also features a quaint guest cottage tucked privately into the trees. Complete with its own kitchen (featuring a 24” gas stove), a full bath with a second clawfoot tub, a wood stove, propane heat, and washer/dryer, it offers fantastic potential as an in-law suite, artist studio, or future rental income. The Opportunity: This property is the perfect canvas for a buyer ready to restore a historic beauty. Both the main house and the cottage are ready for their next chapter, requiring exterior updates including siding, insulation, and eventual roof replacement. To make this seamless, professional estimates are already on file, providing complete transparency so you know exactly what to expect. Better yet, this property would qualify for a Fannie Mae Homestyle Renovation Loan, USDA or VA Renovation Loans or the FHA 203(k) Renovation Loan, allowing you to finance the purchase and the exterior upgrades all at once with as little as 3.5% down. Bring your vision and complete the restoration of this historic ridge-top retreat. Is it time for you to take the reins?

182 Wakti Ridge Road, Saluda

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Henderson County, NC · Curated MLS Search

FHA Loan Homes in Henderson County, NC

An editorially curated view of every active fha loan homes listing in Henderson County, NC. Updated in real time from the local MLS, presented without the noise.

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Henderson County Market — FHA Loan Homes Comparison

Live MLS data — Henderson County vs. FHA Loan Homes

Henderson County
FHA Loan Homes
inventory
Active Listings
1,590
1
Sold (Past 6 Mo.)
1,215
2
Under Contract
65
0
pricing
Avg. List Price
$620,427
$295,000
Cost / Sq. Ft.
$297
$240
typical home
Living Area
2,275 ft²
1,229 ft²
Avg. Beds
3.1
2.0
Avg. Baths
2.8
2.0
Days on Market
197
20

FHA Loan Homes in Henderson County: Market Data

Data as of (MLS snapshot; listings below update live)

As of October 20, 2026, Jon Tharp Homes' review of MLS data shows 1 active listing for Henderson County FHA loan homes. Listings in this search do not come up often in Henderson County. Over the past six months, 2 listings in this search sold. With so few listings, setting up a listing alert is the easiest way to learn of the next one.

FHA Loan Homes in Henderson County, NC, October 20, 2026
MeasureValue
Active listings1
Sold, past six months2

FHA Loan Homes in other areas

Market questions

How many Henderson County FHA loan homes are for sale?

There was 1 active listing for Henderson County FHA loan homes as of October 20, 2026, based on Jon Tharp Homes' review of MLS data.

How do Henderson County FHA loan homes compare with other areas?

As of October 20, 2026, there was 1 active listing for Henderson County FHA loan homes. In the same search, Asheville had 2 FHA loan homes for sale, Candler had 1 active listing for FHA loan homes and Hendersonville had 1 active listing for FHA loan homes.

How many Henderson County FHA loan homes sold in the past six months?

2 Henderson County FHA loan homes sold in the six months before October 20, 2026.

Listing data courtesy of Carolina Multiple Listing Services, Inc.

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