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Hot Springs · Hot Springs, NC

1390 Baltimore Branch Road

Hot Springs, NC · 2,266 sqft

$895,000

  • 3Beds
  • 3Baths
  • 2,266SqFt
  • 1993Year
  • 53Days on market

About this home

Escape to the magical Fern Rock Mountain Retreat, where mountain charm and thoughtful craftsmanship come together. The main lodge is built from beautiful historic hand-hewn logs and beams, showcasing unique artisan details throughout. Enjoy a spacious kitchen with handcrafted cabinetry, inviting dining and gathering spaces, and a large living room with hardwood floors and custom finishes.

Step outside and experience the incredible outdoor living areas, including a screened-in living room nestled among the trees, a spacious deck with stunning mountain views, a cozy fire pit, an outdoor shower, and a relaxing hot tub. Sit by the pond or unwind in one of the peaceful sitting areas.

The property also includes a private one-bedroom, one-bath guest cabin and an additional log studio cabin, offering plenty of space for family, friends, or creative retreats. Hiking trails wind through the majestic woods, providing endless opportunities to explore nature. With paved road access and a secluded setting, Fern Rock Mountain Retreat offers the perfect balance of convenience and peaceful mountain living. It would be an amazing family home with a studio or guest house and a great vacation rental opportunity.

Property details

Beds
3
Baths
3
SqFt
2,266
Lot
Year built
1993
Type
Single Family
Days on market
53
Style
Cabin
Heating
Central, Heat Pump
Cooling
Ceiling Fan(s), Central Air, Heat Pump
Foundation
Crawl Space
Flooring
Wood
View
Long Range, Mountain(s)

Features

  • Breakfast Bar
  • Kitchen Island
  • Pantry
  • Walk-In Closet(s)
  • Above Ground Hot Tub / Spa
  • Fire Pit
  • Hot Tub
  • Outdoor Shower
  • Storage

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$6,475/ month

Principal & interest
$5,542
Property tax (~0.90%)
$671
Homeowners insurance
$261
HOA dues

Down payment

$44,750 down · $850,250 financed

Income to qualify (28% rule)

~$277,512 / 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.