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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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107 Spruce Ln , Zirconia, NC 28790
$875,000
Est. Payment: $4,917.53/mo
3 Bed
3 Bath
3519 Sqft
3.48 Acres
Status: active | Days on site: 1
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13974 - R45657
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Terri Bias
Operator/Brokerage Owner

House Description

Nestled at an elevation of more than 2,300 feet in the private North Carolina section of The Cliffs Valley, this beautifully renovated mountain residence offers an exceptional setting with eastern views toward Posey and Corbin Mountain, inviting outdoor living spaces, and noticeably cooler summer temperatures. Ideally located near the Valley North gate, the home provides convenient access to Highway 25, historic Hendersonville, and Greenville while offering a peaceful mountain retreat. A welcoming driveway winds through beautifully landscaped grounds accented by mature mountain laurel, dogwoods, rhododendrons, and a magnificent cherry tree, leading to a new Trex front porch and elegant mahogany entry door. Inside, the great room makes an immediate impression with soaring ceilings, large windows framing the mountain views, and a striking stacked-stone, floor-to-ceiling fireplace. The light-filled main level offers an exceptionally livable layout with a gourmet kitchen, adjoining dining area, spacious primary suite, walk-in laundry room, and study. The updated chef’s kitchen combines functionality and style with a double oven, granite island, induction cooktop, and built-in microwave with exhaust fan. The main-level primary suite provides a private retreat with dual walk-in closets, Hickory laminate flooring, and direct access to an expanded private deck overlooking the mountains. The renovated primary bath features dual granite vanities, a walk-in shower, tile flooring, and a jetted tub with updated faucets and hardware. Multiple outdoor living spaces extend the main level, including the expanded deck, screened porch, and adjoining grill deck. An improved patio creates an additional setting for outdoor enjoyment, while thoughtfully designed landscape lighting enhances the property and grounds after sunset. Two upper-level guest bedrooms share a renovated full bath and provide comfortable accommodations for family and guests. The recently finished lower level offers versatile additional living space with beautiful Italian flooring, new drywall, ceiling tiles, and HVAC, ideal for a media room, recreation space, or hobby area. Two walk-in storage rooms have been encapsulated and equipped with wired sump pumps. Additional improvements include updated light fixtures, ceiling fans, carpet, window treatments, and door hardware; two new garage door openers; a replaced retaining wall; new asphalt driveway; new flagstone entry walkway; enhanced landscaping and drainage systems; and structural improvements to the primary bedroom deck, including added helical piers, replacement wood, and new stain. The interior and exterior have also been painted. With its cooler high-elevation setting, enhanced outdoor spaces, and exceptional proximity to the Valley North gate, 107 Spruce Lane offers a refined mountain retreat with convenient access to the best of Hendersonville and Greenville. A Club membership at The Cliffs is available for purchase with this property giving you access to all seven communities.

Highlights

Listed by Frank Nix , 864-723-0707 The Cliffs , 828-595-8311. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
3.48

HOA Fee

1982 Annually

Year Built

1991

County

Henderson

Neighborhood

The Cliffs Valley

Listing ID

4417752

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Wall Oven
Air Cond:Central Air
Fireplaces:Wood Burning
Floor:Carpet,Tile,Wood
Above Ground Sq Ft:2886
Below Ground Sq Ft:633
Basement:Partial,Sump Pump,Walk-Out Access
Other:
  • ▪ Additional:Attic Stairs Fixed, Built-in Features, Walk-In Closet(s), Whirlpool, Has Fireplace, Master on Main
Water:Public

Exterior Features

Lot:Sloped,Wooded,Views
Zoning:R2R
Roof:Architectural Shingle,Composition
Sewer:Septic Installed
Parking Features:Attached Garage
Principal Interest
$4,918
Taxes
$558
HOA
$1,982

Home Price

$875,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$175,000
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:
$4,917.53

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,917.53 $557.81 $1,982.00 $7,457.34
Yearly $59,010.36 $6,693.75 $23,784.00 $89,488.11
Total $1,770,310.72 $200,812.50 $713,520.00 $2,684,643.22

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 (Zirconia, 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

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