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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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1237 South Cove Rd , Mill Spring, NC 28756
$995,000
Est. Payment: $5,591.93/mo
4 Bed
4 Bath
2411 Sqft
1.97 Acres
Status: active | Days on site: 17
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Terri Bias
Operator/Brokerage Owner

House Description

The Perfect Full-Time Home or Relaxing Lake Getaway! Experience amazing lake and mountain views from this stunning Lake Adger waterfront home, ideally situated on the main channel with a rare and beautiful setting. Nestled on nearly 2 acres, this 4-bedroom, 3½-bath home offers excellent views, plenty of space, privacy, and an inviting open-concept design. The main level features a spacious great room with soaring vaulted ceilings, a beautiful stone fireplace, and an open flow into the dining area and well-appointed kitchen—perfect for entertaining or enjoying peaceful evenings at home. The primary suite is also conveniently located on the main level and offers a luxurious retreat with its own spacious bath with a walk-in shower, and relaxing garden tub. Downstairs, you'll find an expansive family room that could easily serve as a game room, complete with a wet bar—an ideal space for gatherings, movie nights, or lakeside entertaining. Three generously sized bedrooms provide plenty of room for family and guests, including a second primary suite with its own en-suite bath. An additional full bath completes the lower level. Both levels have expansive covered outdoor living areas-Hot tub included- offering outdoor living at its best. With nearly 2 acres on the lake, mountain and water views, multiple living spaces, and room for everyone, this exceptional Lake Adger property offers the perfect blend of comfort, recreation, and tranquility. Whether you're looking for a full-time residence or a peaceful weekend retreat, this lakefront home is ready to be enjoyed. Lake Adger is a private community centered around a pristine 438-acre lake with approx. 14 miles of shoreline. Residents enjoy boating, fishing, kayaking, and an extensive network of scenic walking and equestrian trails that wind through rolling hills, mountain vistas, tranquil streams, and preserved natural beauty.

Highlights

Listed by Ellen Glass , 828-808-4669 Tryon Foothills Realty , 828-859-1255. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.97

HOA Fee

1300 Annually

Year Built

2006

County

Polk

Neighborhood

Lake Adger

Listing ID

4421708

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Gas Cooktop, Microwave, Oven, Refrigerator with Ice Maker, Washer, Washer/Dryer
Air Cond:Ceiling Fan(s),Central Air,Electric
Fireplaces:Family Room,Gas,Great Room
Floor:Concrete,Wood
Above Ground Sq Ft:1265
Below Ground Sq Ft:1146
Basement:Exterior Entry,Finished,Walk-Out Access,Walk-Up Access
Other:
  • ▪ Additional:Breakfast Bar, Garden Tub, Open Floorplan, Pantry, Split Bedroom, Storage, Walk-In Closet(s), Wet Bar, Has Fireplace, Master on Main
Water:Shared Well

Exterior Features

Lot:Waterfront,Boat Ramp – Community,Dock
Roof:Architectural Shingle
Others:
  • ▪ Additional:Above Ground Hot Tub / Spa, Dock - Floating
Sewer:Septic Installed
Parking Features:Attached Carport,Driveway,Shared Driveway
Principal Interest
$5,592
Taxes
$634
HOA
$1,300

Home Price

$995,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$199,000
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:
$5,591.93

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,591.93 $634.31 $1,300.00 $7,526.25
Yearly $67,103.21 $7,611.75 $15,600.00 $90,314.96
Total $2,013,096.19 $228,352.50 $468,000.00 $2,709,448.69

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 (Mill Spring, 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: 2026-10-14T07:47:06.000Z

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