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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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261 Rock Face Trail Lt 10c , Highlands, NC 28741
$999,000
Est. Payment: $5,117.37/mo
2 Bed
2 Bath
1022 Sqft
Status: active | Days on site: 29
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

Priced BELOW tax value = instant equity opportunity you don’t want to miss. Why buy one when you can get two units for the price of one? Welcome to a Jeffrey Dungan Low Country XL-designed mountain Tiny cottage where views of Whiteside Mountain don’t get any better. This is the kind of setting people chase in the mountains—and rarely find paired with this level of design and versatility. Located in the Gated Community of The Preserve at Whiteside Cliffs. The upper level lives like a modern designer home, featuring Summit appliances, quartz countertops, Delta fixtures, and 7” oak hardwood flooring. Soaring cathedral ceilings and 270° panoramic views flood the space with natural light through expansive Ply Gem energy-efficient windows and French doors. Both bedrooms accommodates a king bed, includes full-height closet storage, and a built-in desk. Plus, enjoy your private deck just outside your Main floor Bedroom. Downstairs offers a fully functional second living space with its own living area, kitchenette, bedroom, and walk-in shower—making this a true dual-unit setup ideal for guests, rental income, or multi-generational living. With its own covered deck with views that don't disappoint. Stay comfortable year-round with dual Mitsubishi mini-splits (one per level). Outdoor living is where this property really shines and expands your Tiny Home living space: ~ Over 500 sq ft of upper-level decking to soak in those unmatched Whiteside Mountain views ~ Private deck off the primary bedroom ~ Covered lower-level deck with ceiling fans for relaxed, all-season use Additional features include: ~ Premium Board and Batten Cedar siding ~ Shiplap Interior Walls ~ Built-in breakfast bar dining ~ Combo washer/dryer ~ Two dry storage areas ~ Energy-efficient construction throughout ~ Sleeps 4+ comfortably This is more than a mountain getaway—it’s a smart investment priced under tax value with built-in upside from day one. Whether you’re looking for a mountain escape, short-term rental potential, or multi-generational living, this property checks every box. If you’ve been waiting for a property where the view truly delivers—this is it. Opportunities like this—priced under tax value with dual living spaces—don’t sit long. Call and visit the Black Panther TODAY!

Highlights

Listed by Allison MacDowell , 704-996-0957 Keller Williams Great Smokies , 828-926-5155. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.53

HOA Fee

3600 Annually

Year Built

2023

County

Jackson

Neighborhood

The Preserve at Whiteside Cliffs

Listing ID

4376026

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Exhaust Hood, Gas Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer/Dryer
Air Cond:Ductless
Fireplaces:
Floor:Wood,Other - See Remarks
Above Ground Sq Ft:1022
Below Ground Sq Ft:0
Basement:Finished,Storage Space,Walk-Out Access
Other:
  • Additional:Breakfast Bar, Built-in Features, Kitchen Island, Open Floorplan, Pantry, Storage, Master on Main
Water:Shared Well

Exterior Features

Lot:Hilly,Open Lot,Sloped,Wooded,Views
Zoning:R-7
Roof:Wood
Others:
  • Additional:Other - See Remarks
Sewer:Septic Installed
Parking Features:Driveway
Principal Interest
$5,117
Taxes
$637
HOA
$3,600

Home Price

$999,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$199,800
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:
$5,117.37

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,117.37 $636.86 $3,600.00 $9,354.23
Yearly $61,408.38 $7,642.35 $43,200.00 $112,250.73
Total $1,842,251.47 $229,270.50 $1,296,000.00 $3,367,521.97

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Highlands, 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: 2026-08-24T16:15:07.000Z

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