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Topton · Topton, NC

1101 Otter Creek Road

Topton, NC · 1,580 sqft

$220,000

  • 3Beds
  • 2Baths
  • 1,580SqFt
  • 1940Year
  • 182Days on market

About this home

Nestled in the heart of the Nantahala fly-fishing region, this 3.77-acre property offers exceptional versatility — ideal as a primary residence, fishing getaway, or short-term rental. With thoughtful updates and renovation, the home could become a comfortable full-time residence, while the expansive acreage provides ample room for additional investment cabins. The area is renowned for world-class trout fishing, with nearby waters supporting brook, rainbow, and brown trout and drawing anglers year-round. Enjoy peaceful country living and pastoral views, all while being just minutes from the upper Nantahala River, Nantahala Lake, and the Appalachian Trail. Whether you envision a private mountain retreat or an income-producing opportunity, this property combines natural beauty, recreation, and location in one of Western North Carolina’s most desirable outdoor settings.

Property details

Beds
3
Baths
2
SqFt
1,580
Lot
Year built
1940
Type
Single Family
Days on market
182
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space
Flooring
Carpet, Laminate, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,591/ month

Principal & interest
$1,362
Property tax (~0.90%)
$165
Homeowners insurance
$64
HOA dues

Down payment

$11,000 down · $209,000 financed

Income to qualify (28% rule)

~$68,215 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. Christy can introduce you to lenders she trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.