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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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135 Valley Stream Rd , Spring Lake, NC 28390
$459,900
Est. Payment: $2,584.65/mo
5 Bed
3 Bath
3119 Sqft
0.31 Acres
Status: active | Days on site: 15
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Terri Bias
Operator/Brokerage Owner

House Description

SELLER-PAID 2/1 BUYDOWN plus up to $5,000 in seller concessions with an acceptable offer! The 2/1 lowers your rate 2% in year one and 1% in year two, then steps up to the note rate in year three. Qualified buyers may also inquire about assuming the seller’s existing VA loan at 2.75%, subject to VA/lender approval.Five bedrooms, three full baths, and three finished levels give you room to spread out in Anderson Creek Club. At approximately 3,119 square feet, this home offers a main-level bedroom and full bath, an oversized second-floor family room, and a nearly 400-square-foot third-floor bonus room, with flexible space for guests, work, recreation, and everyday living.Fresh interior paint, new main-level flooring, updated light fixtures, and HVAC systems installed in 2022 and 2023 add to the appeal. The kitchen features granite countertops, stainless-steel appliances, a large pantry, and a breakfast bar, opening to the breakfast area and spacious living room with a recently serviced fireplace. A formal dining room with a coffered ceiling and detailed millwork adds room to entertain.Upstairs, the primary suite includes a tray ceiling, walk-in closets, dual vanities, a garden tub, and a separate tiled shower. Three additional bedrooms, a full bath, and a laundry room complete the second level. The finished third floor is ready for a theater, fitness area, hobbies, or a quiet workspace.Enjoy the wooded backdrop from the screened porch and adjoining patio overlooking the fenced backyard. An irrigation system, rear fence gate, and a location near the community’s rear resident gate add everyday convenience.POA dues include high-speed internet. Anderson Creek Club offers a 24-hour manned entrance, golf, pools, a splash pad, clubhouse dining, fitness center, tennis, pickleball, walking trails, fishing ponds, and more. Anderson Creek Academy, a public charter school serving grades K-5, is located within the community; buyer to verify enrollment eligibility.

Highlights

Listed by AMANDA STONE , RE/MAX CHOICE , Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage
0.31

HOA Fee

269 Monthly

Year Built

2013

County

Harnett

Neighborhood

Anderson Creek Club

Listing ID

769002

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Cooktop, Dishwasher, Microwave, Range, Refrigerator
Air Cond:Central Air,Electric
Fireplaces:
Floor:Carpet,Luxury Vinyl
Basement:Crawl Space
Other:
  • ▪ Additional:Ceiling Fan(s), Double Vanity, Entrance Foyer, Separate Shower

Exterior Features

Others:
  • ▪ Additional:Fenced Yard, Playground, Rain Gutters, Tennis Court(s), Covered, Front Porch, Patio, Porch, Screened
Parking Features:Attached,Two Car Garage,Garage,Attached Garage

Open House

Upcoming Open Houses
Sunday 12:00 pm - 3:00 pm Oct 18
Saturday 11:00 am - 2:00 pm Oct 24
Principal Interest
$2,585
Taxes
$293
HOA
$269

Home Price

$459,900

Loan Details

30 yrs
7.548%

Down Payment

20%
$91,980
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:
$2,584.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,584.65 $293.19 $269.00 $3,146.84
Yearly $31,015.84 $3,518.24 $3,228.00 $37,762.08
Total $930,475.31 $105,547.05 $96,840.00 $1,132,862.36

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 (Spring Lake, 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.

Information Not Guaranteed.
Listings marked with an icon are provided courtesy of the Triangle MLS, Inc. of North Carolina, Internet Data Exchange Database.
©2026 Triangle MLS, Inc. of North Carolina. All rights reserved.

Data last updated: 2026-10-14T15:51:28.000Z

© 2026 Triangle MLS, Inc. of North Carolina

MLS Logo - Triangle MLS, Inc. of North Carolina