# 128 Cardinal Lane, Hayesville, NC 28904 > **TL;DR:** 4bd/3ba single family, $649,000, built 1976. > Waterfront, View, Hardwood, A/C. Est. $3,471/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $649,000 | | Bedrooms | 4 | | Bathrooms | 3 full | | Year Built | 1976 | | Lot Size | 20,473 sqft (0.47 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 0 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Lake - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,282 | | Estimated Insurance | $189 | | **Total** | **$3,471** | ## Key Amenities - Waterfront - View - Hardwood - A/C - 2-car garage ## Property Highlights - Built in 1976 - 0.47 acre lot - 2 stories - Waterfront ## Description ### Agent Description Deeded lake access. Nestled in a serene lakeside setting, this beautifully updated brick and wood ranch-style home combines modern comfort with rustic charm and offers breathtaking lake views from a private, peaceful setting. The open floor plan creates a seamless flow between the living, dining, and kitchen areas, making the home equally well suited to entertaining and to simply enjoying the quiet surroundings. The kitchen is designed for both function and style, featuring appliances, elegant cabinetry, and ample counter space for everyday meals and gatherings with family and friends. The residence offers three spacious bedrooms and two well-appointed bathrooms, providing comfort and privacy for family and guests alike. An uncovered front porch welcomes you with charming curb appeal, while the large covered and screened-in rear porch invites you to relax, entertain, and take in the natural beauty of the property throughout the day. Adding to the home's versatility, an attached second living quarters includes a private bedroom, a full kitchen, a great room, and laundry, making it ideal for guests, extended family, or potential rental income. Thoughtfully updated and exceptionally flexible, this lakeside ranch brings together scenic views, comfortable main-house living, and a separate quarters arrangement, all complemented by the rare advantage of deeded lake access for an uncompromised lakeside lifestyle close to the water and the everyday pleasures of lake living. A welcoming home with room to gather, relax, and enjoy the lake year-round. Step outside and enjoy the view. ## Location - **Address:** 128 Cardinal Lane, Hayesville, NC 28904 - **County:** Clay - **Neighborhood:** Hickory Ridge - **Coordinates:** 35.0194125, -83.7512269 - **Google Maps:** https://www.google.com/maps?q=35.0194125,-83.7512269 ## Virtual Tour & Media - **Video Tour:** tour.usamls.net/128-Cardinal-Lane-Hayesville-NC-28904--26048901/unbranded ## Listing Agent - **Name:** Brian Noland (MLS only) - **Brokerage:** Beverly Hanks & Associates - **Broker Phone:** 8284525809 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/128-Cardinal-Ln_Hayesville_NC_28904_M67155-67291?f=listhub&s=FBRNC&m=26048901&c=propsimple) ## Photos ![128 Cardinal Lane - Photo 1](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3870425030r.jpg) ![128 Cardinal Lane - Photo 2](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3512051543r.jpg) ![128 Cardinal Lane - Photo 3](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1343555426r.jpg) ![128 Cardinal Lane - Photo 4](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f341342777r.jpg) ![128 Cardinal Lane - Photo 5](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3892251747r.jpg) ![128 Cardinal Lane - Photo 6](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1102573987r.jpg) ![128 Cardinal Lane - Photo 7](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2459146195r.jpg) ![128 Cardinal Lane - Photo 8](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3566125842r.jpg) ![128 Cardinal Lane - Photo 9](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1900896826r.jpg) ![128 Cardinal Lane - Photo 10](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2263608791r.jpg) ![128 Cardinal Lane - Photo 11](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3685392352r.jpg) ![128 Cardinal Lane - Photo 12](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2565589468r.jpg) ![128 Cardinal Lane - Photo 13](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2287710452r.jpg) ![128 Cardinal Lane - Photo 14](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1770705943r.jpg) ![128 Cardinal Lane - Photo 15](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1942420579r.jpg) ![128 Cardinal Lane - Photo 16](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2702313205r.jpg) ![128 Cardinal Lane - Photo 17](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2879434353r.jpg) ![128 Cardinal Lane - Photo 18](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3988242190r.jpg) ![128 Cardinal Lane - Photo 19](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1364050061r.jpg) ![128 Cardinal Lane - Photo 20](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f902534177r.jpg) ![128 Cardinal Lane - Photo 21](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f817156168r.jpg) ![128 Cardinal Lane - Photo 22](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3263936475r.jpg) ![128 Cardinal Lane - Photo 23](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f383246118r.jpg) ![128 Cardinal Lane - Photo 24](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3524435451r.jpg) ![128 Cardinal Lane - Photo 25](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3131816901r.jpg) ![128 Cardinal Lane - Photo 26](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f658946803r.jpg) ![128 Cardinal Lane - Photo 27](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3829266317r.jpg) ![128 Cardinal Lane - Photo 28](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3934196286r.jpg) ![128 Cardinal Lane - Photo 29](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2083941226r.jpg) ![128 Cardinal Lane - Photo 30](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2897529911r.jpg) ![128 Cardinal Lane - Photo 31](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2784678016r.jpg) ![128 Cardinal Lane - Photo 32](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f487682002r.jpg) ![128 Cardinal Lane - Photo 33](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2314846477r.jpg) ![128 Cardinal Lane - Photo 34](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2328618116r.jpg) ![128 Cardinal Lane - Photo 35](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1159353230r.jpg) ![128 Cardinal Lane - Photo 36](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f95684338r.jpg) ![128 Cardinal Lane - Photo 37](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1452505259r.jpg) ![128 Cardinal Lane - Photo 38](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1087915062r.jpg) ![128 Cardinal Lane - Photo 39](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f837389153r.jpg) ![128 Cardinal Lane - Photo 40](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2696275668r.jpg) ![128 Cardinal Lane - Photo 41](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3327034352r.jpg) ![128 Cardinal Lane - Photo 42](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f175286635r.jpg) ![128 Cardinal Lane - Photo 43](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2436584869r.jpg) ![128 Cardinal Lane - Photo 44](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f254982886r.jpg) ![128 Cardinal Lane - Photo 45](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f4206799715r.jpg) ![128 Cardinal Lane - Photo 46](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1720412576r.jpg) ![128 Cardinal Lane - Photo 47](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f3641068492r.jpg) ![128 Cardinal Lane - Photo 48](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1226299837r.jpg) ![128 Cardinal Lane - Photo 49](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f2349431889r.jpg) ![128 Cardinal Lane - Photo 50](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f1729029057r.jpg) ![128 Cardinal Lane - Photo 51](http://lh.rdcpix.com/77ff0b240aa5a9e88ef3efd8c9421751l-f4245721138r.jpg) --- **MLS#:** 26048901 | **Updated:** 2026-10-30 **Source:** listhub *Copyright © 2026 Carolina Smokies Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/128-cardinal-lane-hayesville-nc-28904-da3d3224d61f4f2b87013b79015519d7) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/128-cardinal-lane-hayesville-nc-28904-da3d3224d61f4f2b87013b79015519d7#listing", "url": "https://www.propertysimple.ai/listing/128-cardinal-lane-hayesville-nc-28904-da3d3224d61f4f2b87013b79015519d7", "name": "128 Cardinal Lane, Hayesville, NC 28904", "description": "Deeded lake access. Nestled in a serene lakeside setting, this beautifully updated brick and wood ranch-style home combines modern comfort with rustic charm and offers breathtaking lake views from a private, peaceful setting. The open floor plan creates a seamless flow between the living, dining, and kitchen areas, making the home equally well suited to entertaining and to simply enjoying the quiet surroundings. The kitchen is designed for both function and style, featuring appliances, elegant cabinetry, and ample counter space for everyday meals and gatherings with family and friends. The residence offers three spacious bedrooms and two well-appointed bathrooms, providing comfort and privacy for family and guests alike. An uncovered front porch welcomes you with charming curb appeal, while the large covered and screened-in rear porch invites you to relax, entertain, and take in the natural beauty of the property throughout the day. Adding to the home's versatility, an attached second living quarters includes a private bedroom, a full kitchen, a great room, and laundry, making it ideal for guests, extended family, or potential rental income. Thoughtfully updated and exceptionally flexible, this lakeside ranch brings together scenic views, comfortable main-house living, and a separate quarters arrangement, all complemented by the rare advantage of deeded lake access for an uncompromised lakeside lifestyle close to the water and the everyday pleasures of lake living. A welcoming home with room to gather, relax, and enjoy the lake year-round. 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