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

By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from , 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.
main property photo 0
main property photo 1
main property photo 2
main property photo 3
main property photo 4
main property photo 5
main property photo 6
main property photo 7
main property photo 8
main property photo 9
main property photo 10
main property photo 11
main property photo 12
main property photo 13
main property photo 14
main property photo 15
main property photo 16
main property photo 17
main property photo 18
main property photo 19
main property photo 20
main property photo 21
main property photo 22
main property photo 23
main property photo 24
main property photo 25
main property photo 26
main property photo 27
main property photo 28
main property photo 29
main property photo 30
main property photo 31
main property photo 32
main property photo 33
main property photo 34
main property photo 35
main property photo 36
main property photo 37
main property photo 38
main property photo 39
main property photo 40
View All (41)
property photo 1
property photo 2
property photo 3
414 Bear Lake Cir , Whittier, NC 28789
$325,000
Est. Payment: $1,826.51/mo
2 Bed
4 Bath
824 Sqft
1.13 Acres
Status: active | Days on site: 2
Get Pre-Qualified
R02533 - R32418
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
View agent profile
Email
Call

House Description

Enjoy beautiful close-range mountain and water views overlooking a peaceful pond from this best-priced real estate in Swain County. This property features a 1-bedroom, 2.5-bath main house with an attached garage, plus a separate 1-bedroom, 1-bath guest cottage. Situated at over 3,000 ft elevation, you’ll enjoy beautiful views of the water without the responsibility of maintaining the pond! The homes sit on 1.13 unrestricted acres, offering exceptional privacy in a quiet setting. There used to be 2 RV Hookups on this property, so there is room for all your toys. No HOA, but there is an active road maintenance association ensuring the gravel access remains in excellent condition. The property comes furnished. The main house has approximately 824 sq ft of heated living area on the main level, plus a 584 sq ft garage area with a 1/2 bath and storage room. The lower level includes approximately 629 sq ft of finished, heated space with gas logs, but it is not included in the total heated living area. The lower level includes a living/rec area, a room that could be used as a bedroom, and a full bath. The guest house has approximately 421 sq ft of heated living area and is included in the total advertised. The home does need some TLC and is priced accordingly. Sold as-is. You won't find a better bargain in this market!
Show more

Highlights

Listed by Megan Cookston , 828-507-6311 Yellow Rose Real Estate LLC , 828-488-2797. Canopy MLS mls logo

Property Type

Residential
Lot/Acreage
1.13

Year Built

1994

County

Swain

 Neighborhood

Bear Lake Estates

Listing ID

4434169

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Dryer, Gas Range, Refrigerator, Washer, Washer/Dryer
Air Cond:Ceiling Fan(s),Ductless,Wall Unit(s)
Fireplaces:Gas,Gas Log
Floor:Carpet,Concrete,Vinyl,Other - See Remarks
Above Ground Sq Ft:824
Basement:Daylight,Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access
Other:
  • ▪ Additional:Open Floorplan, Storage, Has Fireplace, Master on Main
Water:Spring,Other - See Remarks

Exterior Features

Lot:Hilly,Level,Private,Wooded,Views
Roof:Composition
Others:
  • ▪ Additional:Other - See Remarks
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage
Principal Interest
$1,827
Taxes
$207

Home Price

$325,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$65,000
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:
$1,826.51

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,826.51 $207.19 $0.00 $2,033.70
Yearly $21,918.13 $2,486.25 $0.00 $24,404.38
Total $657,543.98 $74,587.50 $0.00 $732,131.48

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 (Whittier, 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: 2026-10-14T17:53:06.000Z

© 2026 Canopy MLS

MLS Logo - Canopy MLS