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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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21 Rock Ridge Rd , Mill Spring, NC 28756
$1,150,000
Est. Payment: $5,890.86/mo
3 Bed
3 Bath
2414 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

Uncompromising custom luxury awaits in this spectacular 2023 ranch, perfectly secluded on 5.04 pristine acres within the quiet Ridgeview subdivision. The idyllic grounds seamlessly blend approximately two acres of manicured lawn with a private, wildlife-filled wooded acreage, complete with fruit trees, a grape trellis, and raised garden beds. Inside, the open-concept layout is designed for effortless relaxation and entertaining, anchored by a living room with a striking stone-front gas fireplace. Premium Pella windows with integrated blinds flood the entire home with natural light, while an integrated security system provides peace of mind. The elite chef’s kitchen serves as the ultimate culinary centerpiece, boasting granite countertops, a massive island with a triple sink, a walk-in pantry, and a high-end appliance package featuring a 72" built-in Sub-Zero refrigerator/freezer, Wolf induction cooktop, built-in LG wall oven and microwave, and a Bosch dishwasher. The main-level floor plan is thoughtfully laid out to maximize privacy for every occupant. The primary suite is a true sanctuary, highlighting a dream-worthy custom walk-through closet and a spa-like ensuite bath equipped with a bench-equipped walk-in shower, a deep soaking tub, and dual sinks beneath an electronic mirror. On the opposite side of the home, a dedicated guest wing hosts two large bedrooms, each featuring its own spacious walk-in closet, alongside a lovely shared full bath. A versatile office/flex room offers the perfect space for remote work, while the dedicated laundry room adds everyday convenience with a utility sink and custom built-in shelving. Complete with an attached three-car garage and a covered rear porch for scenic outdoor living, this exceptional estate sits just six minutes from groceries and eight minutes from the waterfront restaurants and shops of Lake Lure.

Highlights

Listed by Virginia Henrie , 570-441-6689 Howard Hanna Beverly-Hanks , 828-749-3504. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
5.04

HOA Fee

350 Annually

Year Built

2023

County

Polk

Neighborhood

Ridgeview

Listing ID

4410302

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Electric Oven, Exhaust Hood, Induction Cooktop, Microwave, Propane Water Heater, Refrigerator with Ice Maker, Tankless Water Heater, Wall Oven
Air Cond:Central Air
Fireplaces:Gas Vented,Living Room,Propane
Floor:Tile,Vinyl
Above Ground Sq Ft:2414
Below Ground Sq Ft:0
Other:
  • Additional:Attic Stairs Pulldown, Kitchen Island, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s), Walk-In Pantry, Has Fireplace, Master on Main
Water:Well

Exterior Features

Roof:Architectural Shingle
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage
Principal Interest
$5,891
Taxes
$733
HOA
$350

Home Price

$1,150,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$230,000
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:
$5,890.86

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,890.86 $733.13 $350.00 $6,973.99
Yearly $70,690.33 $8,797.50 $4,200.00 $83,687.83
Total $2,120,709.90 $263,925.00 $126,000.00 $2,510,634.90

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 (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: 2026-08-24T14:14:07.000Z

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