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

1264 Ten Whigs Ridge , Nebo, NC 28761
$2,800,000
Est. Payment: $15,736.10/mo
4 Bed
5 Bath
4629 Sqft
2.64 Acres
Status: active | Days on site: 2
Get Pre-Qualified
885004 - R11455
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

Welcome to an extraordinary custom-built lakefront retreat on Lake James, where exceptional craftsmanship and the beauty of the lake and Blue Ridge Mountains come together on 2.64 private acres. Complete with a covered aluminum dock and boat lift, this 4-bedroom, 4.5-bath home, built in 2014, offers over 4,600 square feet across three thoughtfully designed levels. What sets this property apart is the rare combination of lakefront living, mountain views, and a home designed to feel deeply connected to both. Expansive windows frame the lake and layer upon layer of Pisgah ridgelines, with Mount Mitchell rising in the distance. The west-facing orientation delivers spectacular sunsets, while mornings are equally moving as early sunlight gently washes over the lake and mountains, slowly revealing the depth and beauty of the landscape. The main living area is anchored by a stone fireplace featuring a premium Fireplace Xtrordinair® wood-burning system, generous stone hearth, and rustic mantel—an architectural focal point that brings warmth, texture, and distinctive mountain character to the space. The well-appointed kitchen features custom cabinetry, granite countertops, and a beautifully textured ceiling-to-countertop mosaic backsplash in soft, natural tones. Thoughtfully designed for both everyday living and entertaining, the kitchen flows naturally into the adjoining living and gathering spaces. Each of the four bedrooms enjoys a view of the lake or surrounding mountains, allowing all to wake to a landscape that continually changes with the light, weather, and seasons. Outdoor living is equally inviting with an expansive wraparound porch, outdoor fireplace, and fire pit overlooking the surrounding landscape. The floating covered dock provides easy access for swimming, boating, kayaking, paddleboarding, and fishing. The finished walkout lower level provides additional space for gathering, recreation, and relaxation, with convenient access to the outdoors and the beauty of the surrounding property. Life here extends well beyond the home's walls. The lake becomes an extension of everyday living. Trails within the community invite hiking and time outdoors, and don’t forget the great amenities at Camp Lake James. Whether the day is spent exploring or simply resting in the stillness, this home offers something increasingly rare—a true sense of refuge, peace, and connection.

Highlights

Listed by Lori Guggenbiller , 704-806-6943 Berkshire Hathaway HomeServices Carolinas Realty , 704-542-1100. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
2.64

HOA Fee

1900 Annually

Year Built

2014

County

McDowell

Neighborhood

1780

Listing ID

4426377

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Convection Oven, Dishwasher, Double Oven, Dryer, Electric Oven, ENERGY STAR Qualified Refrigerator, Exhaust Hood, Filtration System, Gas Cooktop, Ice Maker, Refrigerator with Ice Maker, Tankless Water Heater, Washer/Dryer
Air Cond:Central Air
Fireplaces:Family Room,Fire Pit,Living Room,Porch,Wood Burning,Wood Burning Stove
Floor:Carpet,Tile,Wood
Above Ground Sq Ft:3117
Below Ground Sq Ft:1512
Basement:Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access
Other:
  • ▪ Additional:Attic Other, Built-in Features, Central Vacuum, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Storage, Walk-In Closet(s), Walk-In Pantry, Has Fireplace, Master on Main
Water:Well

Exterior Features

Lot:Views,Wooded,Boat Lift,Dock,Paddlesport Launch Site,Paddlesport Launch Site - Community
Roof:Architectural Shingle
Others:
  • ▪ Additional:Fire Pit, Dock - Floating, Outdoor Shower
Sewer:Septic Installed
Parking Features:Driveway
Principal Interest
$15,736
Taxes
$1,785
HOA
$1,900

Home Price

$2,800,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$560,000
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:
$15,736.10

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $15,736.10 $1,785.00 $1,900.00 $19,421.10
Yearly $188,833.14 $21,420.00 $22,800.00 $233,053.14
Total $5,664,994.30 $642,600.00 $684,000.00 $6,991,594.30

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 (Nebo, 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

© 2026 Canopy MLS

MLS Logo - Canopy MLS