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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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293 Bear Cliff Dr , Nebo, NC 28761
$925,000
Est. Payment: $5,198.53/mo
3 Bed
4 Bath
4000 Sqft
2.13 Acres
Status: active | Days on site: 44
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R08354 - R44485,CV71895B
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Terri Bias
Operator/Brokerage Owner

House Description

Impeccably maintained and offering 4,000 square feet of living space, this exceptional home in the gated Bear Cliff community at Lake James combines space, privacy, quality, and remarkable efficiency—all for $995,000. Inside, the thoughtfully designed main level welcomes you with a spacious living room featuring vaulted ceilings and an inviting, elevated feel. The chef’s kitchen is equipped with premium appliances, including a Wolf gas cooktop, Café double oven, Sub-Zero refrigerator, and stainless steel appliances. A formal dining room and separate breakfast area provide plenty of space for everyday living and entertaining. The generously sized primary suite offers a private retreat with a beautifully appointed bathroom featuring vaulted ceilings and heated tile floors, plus a custom walk-in closet. Two additional bedrooms share a Jack-and-Jill bathroom, while a separate den provides the perfect home office, library, or additional sitting room. Main-level laundry adds everyday convenience. Downstairs offers incredible flexibility and could easily function as a second living area, with another full bathroom, living room, workout area, movie room, office, bedroom space, and additional flex areas. A 500-bottle wine cellar creates a unique entertaining feature, while nearly 800 square feet of unfinished space provides exceptional storage or workshop potential. The main-level nearly 500 square-foot garage offers even more room for vehicles, equipment, and hobbies. Outside, 2.13 private, wooded acres create the peaceful mountain setting Bear Cliff is known for. A beautiful circular drive, thoughtfully designed landscaping, and abundant parking welcome you home, while winter brings long-range mountain views through the trees. An RV hookup and plenty of room for boat parking make the property especially well suited for the Lake James lifestyle. Enjoy morning coffee on the wraparound deck, evenings on the screened-in porch, or head to Bear Cliff Marina—approximately five minutes away by golf cart—for convenient access to Lake James and additional boat and RV parking. Efficiency and reliability set this home apart. An owned 12 kW solar system offsets approximately 85% of annual electricity usage, complemented by a whole-house generator, two underground 500-gallon propane tanks, and lightning protection for the roof and solar system. Quiet and private while remaining conveniently accessible to Morganton, Marion, Hickory, and Charlotte, this property offers an impressive combination of 4,000+ square feet, 2.13 acres, mountain views, lake access, abundant storage, and exceptional efficiency within one of the Lake James area's beautiful gated communities.

Highlights

Listed by Madeline Pollard , 828-448-8918 and Chase Barlow Gray , 828-448-8918 Chase Gray Realty LLC , 828-499-0495. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
2.13

HOA Fee

400 Annually

Year Built

2008

County

McDowell

Neighborhood

Bear Cliff

Listing ID

4419000

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Bar Fridge, Dishwasher, Double Oven, Exhaust Hood, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer/Dryer, Wine Refrigerator
Air Cond:Central Air,Heat Pump
Fireplaces:Living Room
Floor:Tile,Wood
Above Ground Sq Ft:2435
Below Ground Sq Ft:1565
Basement:Basement Shop,Exterior Entry,Full,Interior Entry,Partially Finished,Storage Space,Walk-Out Access
Other:
  • ▪ Additional:Breakfast Bar, Kitchen Island, Storage, Walk-In Closet(s), Has Fireplace, Master on Main
Water:Well

Exterior Features

Lot:Corner Lot,Wooded,Views
Roof:Architectural Shingle
Sewer:Septic Installed
Parking Features:Circular Driveway,Driveway,Attached Garage,Parking Space(s),RV Access/Parking
Principal Interest
$5,199
Taxes
$590
HOA
$400

Home Price

$925,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$185,000
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:
$5,198.53

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,198.53 $589.69 $400.00 $6,188.22
Yearly $62,382.38 $7,076.25 $4,800.00 $74,258.63
Total $1,871,471.33 $212,287.50 $144,000.00 $2,227,758.83

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 (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

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