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Spruce Pine · Spruce Pine, NC

435 Allen Mountain Lane

Spruce Pine, NC · 3,370 sqft

$1,300,000

  • 4Beds
  • 3.5Baths
  • 3,370SqFt
  • 1997Year
  • 1Days on market

About this home

YOU CAN BUY A HOUSE OR YOU CAN BUY A LIFESTYLE. Travel down Allen Mountain Lane and enter a setting that feels straight out of a storybook. As you pass the charming little waterfall, you'll know you've arrived somewhere truly special. Standing among 46 breathtaking acres filled with abundant wildlife, this stately mountain retreat offers the perfect blend of privacy, comfort, and natural beauty. Soaring ceilings and expansive windows invite the outdoors in, showcasing beautiful mountain views and flooding the home with natural light. The property boasts approximately one-half mile of frontage along the North Toe River, creating endless opportunities to swim, tube, fish, picnic, or simply relax by the water. Approximately 750 acres of adjoining NC parkland. Hiking and outdoor adventure begin right outside your door. Enjoy spectacular sunrises and sunsets from the comfort of your living room or the expansive deck overlooking the surrounding landscape. The spacious living area and large kitchen are ideal for entertaining and gathering with family and friends. The main-level primary suite offers a peaceful retreat featuring an ensuite bath with a soaking tub, bidet, and generous walk-in closet. Also on the main level are the laundry room, a large bonus room, half bath, and excellent storage space. Upstairs, you'll find an open loft or lounge area, a full bath, and three additional bedrooms, providing ample space for family and guests. The lower level features a fully appointed guest apartment with private access, perfect for visitors, extended family, or potential rental opportunities. Despite its exceptional privacy, the property offers the comfort of nearby neighbors and is located just minutes from downtown Spruce Pine.Additional features include: Large two-car garage with new garage doors New roof installed in 2026 Extensive deck improvements completed in 2026 New stainless chimney cap New upstairs HVAC system installed in 2026 Whole-house generator for peace of mind during power outages Experience mountain living at its finest and schedule your private tour today.

Property details

Beds
4
Baths
3.5
SqFt
3,370
Lot
Year built
1997
Type
Single Family
Days on market
1
Garage
2
Heating
Heat Pump, Propane
Cooling
Heat Pump
Foundation
Basement, Stone
View
Mountain(s)
HOA dues
$600 / yr

Features

  • Elevator

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$9,455/ month

Principal & interest
$8,051
Property tax (~0.90%)
$975
Homeowners insurance
$379
HOA dues
$50

Down payment

$65,000 down · $1,235,000 financed

Income to qualify (28% rule)

~$405,233 / 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.