Agent profile image in chat bubble
Agent profile image in chat header

Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

Agent profile image in message

1130 Lost River Trl , Hayesville, NC 28904
$759,000
Est. Payment: $4,265.61/mo
3 Bed
3 Bath
2028 Sqft
1.06 Acres
Status: active | Days on site: 4
Get Pre-Qualified
R04521 - R17380,67237
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.
Agent profile image
Terri Bias
Operator/Brokerage Owner

House Description

Riverfront Mountain Retreat with Established Short-Term Rental History Welcome to your own slice of riverfront living in the desirable Hidden River community of Hayesville, NC. Set directly along the Hiwassee River, this 3-bedroom, 2.5-bath mountain home offers a rare combination of privacy, outdoor living, beautiful natural surroundings, and direct river access. From the moment you arrive, the setting takes center stage. The spacious lawn gently leads toward the river, creating an inviting place to gather around the riverside fire pit, enjoy a morning coffee, fish, kayak, or simply relax and listen to the water. Mature trees surround the property, giving the home a peaceful, private feel while still providing plenty of usable outdoor space. Inside, expansive river-facing windows fill the open living area with natural light and bring the surrounding landscape right into the home. The kitchen features stone countertops, a spacious breakfast bar, and stainless steel appliances, making it easy to stay connected with family and guests while preparing meals. Outdoor living continues with a covered screened porch featuring a stacked-stone fireplace and TV enclosure, along with additional covered porches and upper-level decks overlooking the river and surrounding forest. Whether you're entertaining friends or enjoying a quiet evening at home, there are plenty of places to take in the setting. The main-level primary bath offers a relaxing retreat with a freestanding soaking tub positioned beside river-view windows, along with a tiled walk-in shower featuring custom accent tilework. The walk-out lower level adds even more flexibility with a second living area, game space with pool table setup, full-glass French doors, storage, and direct access to the patio and riverfront lawn. The layout provides plenty of room for guests, recreation, or simply spreading out. With high-speed fiber internet, the home is also well suited for remote work, extended stays, or continued vacation-rental use. The property has an established short-term rental history, offering an opportunity for buyers interested in continuing its current use or creating their own private mountain retreat. Located in the Hidden River community, the property offers a peaceful riverfront setting while remaining within a convenient drive of Hayesville, the Tennessee border, Asheville, and the Atlanta area. Riverfront. Mountain views. Privacy. Outdoor living. Established rental history. And a home designed to make the most of its setting — this is the kind of property that feels like a getaway every time you come home.

Highlights

Listed by Shane Kamer , 828-674-4856 and Timothy Johnson , 828-674-4856 Black Bear Realty WNC , 828-423-3578. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.06

HOA Fee

500 Annually

Year Built

2015

County

Clay

Neighborhood

Hidden River

Listing ID

4428752

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Electric Range, Refrigerator with Ice Maker, Washer/Dryer
Air Cond:Heat Pump
Fireplaces:Outside
Above Ground Sq Ft:1014
Below Ground Sq Ft:1014
Basement:Exterior Entry,Finished,Full,Walk-Out Access
Other:
  • ▪ Additional:Has Fireplace, Master on Main
Water:Well

Exterior Features

Lot:Private,River Front,Wooded,Views
Lot Dimensions:46348.0000000
Others:
  • ▪ Additional:Fire Pit, In-Ground Irrigation
Sewer:Septic Installed
Parking Features:Driveway
Principal Interest
$4,266
Taxes
$484
HOA
$500

Home Price

$759,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$151,800
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:
$4,265.61

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,265.61 $483.86 $500.00 $5,249.47
Yearly $51,187.27 $5,806.35 $6,000.00 $62,993.62
Total $1,535,618.10 $174,190.50 $180,000.00 $1,889,808.60

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
Market insight data is pulled from the same city as the listing being viewed (Hayesville, 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: 2026-10-14T03:51:06.000Z

© 2026 Canopy MLS

MLS Logo - Canopy MLS