Spruce Pine · Spruce Pine, NC
428 Hoot Owl Road
Spruce Pine, NC · 1,792 sqft
$289,000
- 2Beds
- 2Baths
- 1,792SqFt
- 1990Year
- 13Days on market
About this home
Major systems have already been updated, so you can focus on enjoying the setting instead of starting with a long repair list. This home features an updated HVAC system, newer roof, updated bathrooms, LVP flooring, fresh interior paint, refreshed kitchen cabinetry and hardware, plus an improved spring-fed water system with a new catch basin, sediment filtration, UV treatment, and an approximately 3,000-gallon holding tank. The home is also plumbed for propane, with a large propane tank already on the property.
Then there is the setting. A private pond, peaceful mountain surroundings, room for pets or a garden, and a new back porch that gives you the perfect place to slow down and enjoy it all.
If you have been searching for a home that offers more than just four walls, this one delivers the lifestyle so many buyers come to Western North Carolina looking for. Think quiet mornings, coffee by the water, room to breathe, and enough space to actually enjoy being home.
Situated about halfway between Burnsville and Spruce Pine, the property offers a peaceful setting while still keeping you within reach of everyday conveniences. Marion is approximately 30 minutes away, and Asheville is approximately 50 minutes away.
Whether you are looking for a full-time mountain home, a place to downsize without giving up outdoor space, or a quieter retreat with a pond in your backyard, this property offers a rare combination of updates, privacy, water, and mountain living for under $300,000.
Come see what life could look like here.
Property details
- Beds
- 2
- Baths
- 2
- SqFt
- 1,792
- Lot
- —
- Year built
- 1990
- Type
- Single Family
- Days on market
- 13
- Heating
- Heat Pump, Wood Stove
- Cooling
- Central Air
- Foundation
- Crawl Space, Permanent
Features
- Storage
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$2,090/ month
- Principal & interest
- $1,789
- Property tax (~0.90%)
- $216
- Homeowners insurance
- $84
- HOA dues
- —
Down payment
$14,450 down · $274,550 financed
Income to qualify (28% rule)
~$89,610 / 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.