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Saluda · Saluda, NC

645 W Fork Creek Road

Saluda, NC · 1,890 sqft

$475,000

  • 4Beds
  • 3Baths
  • 1,890SqFt
  • 1958Year
  • 1Days on market

About this home

Private Mountain Retreat with Two Homes on 4.4 Acres

Tucked away on 4.4 wooded acres just 15 minutes from downtown Saluda, this peaceful mountain property offers privacy, versatility, and a beautiful natural setting with a flowing stream and mature trees. With two homes totaling 3,562 square feet, the possibilities are endless.

The main home features 3 bedrooms, 2 bathrooms, and 1,890 square feet with hardwood floors, wood ceilings, vaulted ceilings, abundant natural light, and a desirable split-bedroom floor plan. The living room centers around a rock fireplace with a wood stove, creating the perfect spot to gather on cool mountain evenings. A covered front porch and screened porch provide plenty of space to relax and enjoy the surroundings. Recent exterior paint, an encapsulated crawl space, and a whole-house generator add peace of mind.

Just steps away, the charming converted barn offers an additional 1,668 square feet of living space with a rustic mountain feel and modern touches, including a bedroom, full kitchen, bathroom, and large bonus room. It is ideal for guests, multi-generational living, a private retreat, or rental income.

The land itself is a standout feature, offering a small mountain stream, mature trees for privacy, and a level yard with room for gardening, recreation, or animals, plus a fenced area already in place.

Whether you're looking for a full-time residence, a place to live while generating income from the second home, an investment opportunity, or your own private mountain getaway, this one-of-a-kind property is ready to fit your vision.

Property details

Beds
4
Baths
3
SqFt
1,890
Lot
Year built
1958
Type
Single Family
Days on market
1
Style
Ranch
Heating
Ductless, Heat Pump
Cooling
Ductless, Heat Pump
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,436/ month

Principal & interest
$2,941
Property tax (~0.90%)
$356
Homeowners insurance
$138
HOA dues

Down payment

$23,750 down · $451,250 financed

Income to qualify (28% rule)

~$147,282 / 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.