View all 32 photos →

Burnsville · Burnsville, NC

195 Banjo Branch Road

Burnsville, NC · 1,456 sqft

$315,000

  • 3Beds
  • 2Baths
  • 1,456SqFt
  • 2010Year
  • 1Days on market

About this home

Imagine settling onto an expansive deck while a nearby stream supplies the soundtrack this inviting three bedroom, two bathroom home in the desirable South Toe Valley turns that daydream into an everyday pleasure. Set back with private access from White Oak Road, it offers a welcome sense of retreat without making arrival an adventure.

Designed for comfortable one-level living, the home is filled with windows that draw natural light throughout. The practical layout keeps bedrooms and baths conveniently arranged on a single floor, while the generous deck gives you ample room to read, dine, entertain, or simply listen to the water on a cool afternoon. It is the sort of outdoor space where one cup of coffee can mysteriously become two.

Unrestricted use adds valuable flexibility, whether your plans include gardening, a few chickens, or shaping the property around your own mountain lifestyle. Beyond the homesite, United States Forest lands place hiking opportunities close by. Toe River Crafts and the celebrated Toe River Art Tour bring regional creativity into the neighborhood, while Celo Health Center adds a practical nearby convenience. Scenic outings are easy to plan, with Blue Ridge Parkway access and Little Switzerland within reach.

At an appealing price point, this property brings together privacy, natural beauty, and useful flexibility, a compelling combination for a full-time home or mountain getaway. Come experience the deck, hear the stream, and decide whether South Toe Valley feels like your next chapter. Pre-listing home inspection available with most all repairs completed.

Property details

Beds
3
Baths
2
SqFt
1,456
Lot
Year built
2010
Type
Single Family
Days on market
1
Style
Ranch
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,279/ month

Principal & interest
$1,950
Property tax (~0.90%)
$236
Homeowners insurance
$91
HOA dues

Down payment

$15,750 down · $299,250 financed

Income to qualify (28% rule)

~$97,672 / 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.