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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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397 Reservoir Rd , Spruce Pine, NC 28777
$299,900
Est. Payment: $1,685.45/mo
3 Bed
2 Bath
1586 Sqft
0.66 Acres
Status: active | Days on site: 1
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NCM5805000 - 580500237
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Terri Bias
Operator/Brokerage Owner

House Description

Inexpensive- Well Built- In Town Convenience! Perfect for a family home, vacation getaway, or even a VRBO income producer. A rare pairing of HILLTOP PRIVACY and IN-TOWN CONVENIENCE. Set at the corner of Reservoir Road and Clearwater Lane and wrapped in mature hardwoods, this home sits in an almost hidden enclave that offers the seclusion most buyers must drive miles into the country to find, yet it lies inside the Spruce Pine city limits, only minutes from downtown shops, dining and Blue Ridge Regional Hospital. Step onto the full-length covered front porch, settle into a rocker and take in the view across an open meadow to the wooded ridge-line beyond. Inside, a bright open floor plan joins the living, dining and kitchen areas beneath crown molding and ceiling fans. The living room centers on a stacked-stone corner fireplace with gas logs, a wood mantel and an arched display niche, with ample wall space for a reading library. The kitchen offers warm oak cabinetry, recessed lighting, an arched window above the double sink and a breakfast bar that seats three. A laundry room with its own exterior door serves as a convenient mudroom. The home offers 3 bedrooms and 2 full baths across 1,586 sq. ft. of single-level living on .66 acre. The primary bedroom easily holds a king bed and a full suite of furniture, and the third bedroom works equally well as a home office. Out back, the covered rear deck, framed in timber beneath a metal roof and strung with café lights, is made for quiet mornings and long evenings. It overlooks a level, fully fenced back yard with a storage shed. The costly work is already done: a NEW METAL ROOF (2024), a heat pump approx. 5 years old, electric water heater, and CITY WATER AND SEWER. A two-car carport and a wide gravel drive provide ample parking. This is an NC state-certified modular home, built to the North Carolina State Building Code on a permanent foundation. Homes that deliver true privacy this close to town seldom reach the market. Come see what's possible here. This hilltop is awaiting your legacy. You are just 1 minutes away from downtown Spruce Pine, or dining and a great game at Grassy Creek Golf and Country Club, and the Blue Ridge Regional Hospital, or our brand new state-of-the-art YMCA with indoor pool; 7 minutes to adventure on the Blue Ridge Parkway; 10 minutes away from the famous Penland School of Crafts; You will be 15 minutes to downtown Burnsville; 30 minutes to Grandfather Mountain State Park, or to the beautiful Linville Falls, 30 minutes to fishing & water sports on Lake James, shopping in Marion, and I-40; 50 minutes to Asheville, NC; 60 minutes to Johnson City, TN, and the Tri-Cities Airport. This community is two hours from Charlotte, NC.

Highlights

Listed by Peter Franklin , 828-766-7221 Foxfire Real Estate, LLC , 828-766-9509. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.66

Year Built

2005

County

Mitchell

Neighborhood

None

Listing ID

4429844

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Oven, Refrigerator, Washer/Dryer
Air Cond:Heat Pump
Fireplaces:Gas Log,Living Room
Above Ground Sq Ft:1586
Other:
  • ▪ Additional:Attic Other, Breakfast Bar, Open Floorplan, Pantry, Walk-In Closet(s), Has Fireplace, Master on Main
Water:City

Exterior Features

Lot:Corner Lot,Level,Private,Wooded
Roof:Metal
Sewer:Public Sewer
Parking Features:Detached Carport,Driveway
Principal Interest
$1,685
Taxes
$191

Home Price

$299,900

Loan Details

30 yrs
7.548%

Down Payment

20%
$59,980
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:
$1,685.45

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,685.45 $191.19 $0.00 $1,876.63
Yearly $20,225.38 $2,294.24 $0.00 $22,519.61
Total $606,761.35 $68,827.05 $0.00 $675,588.40

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 (Spruce Pine, 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: 2026-10-14T13:51:08.000Z

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