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

228 White Oak Rd , Waynesville, NC 28785
$610,000
Est. Payment: $3,124.72/mo
2 Bed
3 Bath
2466 Sqft
Status: active | Days on site: 10
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275
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

Waynesville NC creekside home • 2BR/3BA • Jonathan’s Creek • Fully Renovated • Separate lower-level living quarters • Open-concept main level • Hot Tub • Short Term Rental Potential Set along Jonathan’s Creek, this fully renovated property delivers the kind of lifestyle that’s hard to find and even harder to leave—fly-fishing right outside your door, multiple decks for hosting, and the constant backdrop of flowing water. Inside, the home has been completely reimagined with a bright, open layout that lives easily and entertains even better. The upstairs kitchen features granite countertops, soft-close cabinetry, and updated finishes, while every bathroom has been renovated—including the addition of a lower-level shower for added functionality. What truly sets this property apart is the fully equipped lower-level living space. With its own entrance, living area, kitchenette, full bath, laundry, and bonus room, it’s perfectly suited for guests, multi-generational living, or generating rental income. Whether you’re looking for flexibility or ROI, this setup delivers. Outdoor spaces are where this home really shines—a brand-new Trex front porch, expansive party deck with its own bathroom and outdoor shower, and a lower deck overlooking the creek with a hot tub already in place. This is the kind of setup buyers picture when they say they want a “mountain getaway.” Major updates are already handled, including a new roof and HVAC, along with retaining walls, updated doors and sliders, mini-splits, and fresh exterior paint—making this a true move-in-ready opportunity. If you’ve been waiting for something turnkey, flexible, and directly on the water—this is it.

Highlights

Listed by Meg Nichols , 828-999-2899 and Rosie Dugan , 828-999-2899 Coldwell Banker Advantage , 828-233-3100. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.63

Year Built

1982

County

Haywood

Neighborhood

None

Listing ID

4412866

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer
Air Cond:Ceiling Fan(s),Central Air,Ductless
Fireplaces:Gas,Gas Vented
Floor:Carpet,Tile,Vinyl,Wood
Above Ground Sq Ft:1360
Below Ground Sq Ft:1106
Basement:Apartment,Basement Garage Door,Daylight,Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access
Other:
  • Additional:Attic Stairs Fixed, Kitchen Island, Open Floorplan, Split Bedroom, Walk-In Closet(s), Has Fireplace, Master on Main
Water:Well

Exterior Features

Lot:Cleared,Creek Front,Green Area,Rolling Slope,Creek/Stream,Wooded
Roof:Metal
Others:
  • Additional:Above Ground Hot Tub / Spa, Fire Pit, Outdoor Shower
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Faces Side,Other - See Remarks
Principal Interest
$3,125
Taxes
$389

Home Price

$610,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$122,000
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:
$3,124.72

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,124.72 $388.88 $0.00 $3,513.59
Yearly $37,496.61 $4,666.50 $0.00 $42,163.11
Total $1,124,898.30 $139,995.00 $0.00 $1,264,893.30

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Waynesville, 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: 2026-08-24T12:13:06.000Z

© 2026 Canopy MLS

MLS Logo - Canopy MLS