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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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413 Terrace Dr , Chimney Rock, NC 28720
$399,000
Est. Payment: $2,242.39/mo
2 Bed
2 Bath
734 Sqft
0.13 Acres
Status: active | Days on site: 1
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NCM17440 - moye
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Terri Bias, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Terri Bias
Operator/Brokerage Owner
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House Description

Tucked away in the heart of Chimney Rock Village, this charming, updated and cozy 1940s cottage offers the perfect blend of vintage character and modern comfort. Ideally located just above Main Street, the home is approximately 0.4 mile from downtown Chimney Rock and only one mile from Lake Lure Beach, putting shops, restaurants, and outdoor recreation a short stroll away. The updated galley kitchen features butcher block countertops and stainless steel appliances, while the updated full bathroom and refreshed half bathroom add modern convenience. A bright front sunroom provides a welcoming space for relaxing and taking in the surrounding mountain atmosphere. The inviting living room features a gas fireplace, creating a warm and comfortable gathering space, and the main level also offers a convenient laundry nook. Outside, a deck and patio provide room for entertaining or simply enjoying the peaceful mountain setting. Situated on a corner lot with seasonal fall and winter views of Chimney Rock, this two-bedroom cottage is full of charm and versatility. Whether you’re looking for a primary residence, a mountain getaway, or an income-producing short-term rental, this delightful cozy property offers an ideal location and plenty of possibilities.
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Highlights

Listed by Laura Moye , 828-301-4518 Mosaic Community Lifestyle Realty , 828-707-9556. Canopy MLS mls logo

Property Type

Residential
Lot/Acreage
0.13

Year Built

1940

County

Rutherford

 Neighborhood

None

Listing ID

4392061

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator
Air Cond:Ceiling Fan(s),Central Air,Heat Pump
Fireplaces:Gas Vented,Living Room
Above Ground Sq Ft:734
Other:
  • ▪ Additional:Has Fireplace
Water:City

Exterior Features

Roof:Metal
Sewer:Septic Installed
Parking Features:Driveway
Principal Interest
$2,242
Taxes
$254

Home Price

$399,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$79,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,242.39

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,242.39 $254.36 $0.00 $2,496.76
Yearly $26,908.72 $3,052.35 $0.00 $29,961.07
Total $807,261.69 $91,570.50 $0.00 $898,832.19

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

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Market insight data is pulled from the same city as the listing being viewed (Chimney Rock, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Terri Bias and Associates | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-10-14T09:50:06.000Z

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