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John KurtzCharlotte · NC

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Hendersonville · Hendersonville, NC

1034 Kyles Creek Road

Hendersonville, NC

$120,000

  • 2Beds
  • 1Baths
  • 0SqFt
  • 1977Year
  • 10Days on market

About this home

Originally built in the 1970s over the creek on the site of an old bridge, this cottage offers a truly one-of-a-kind mountain setting. Surrounded by the sounds of flowing water and natural beauty, the property offers a peaceful retreat with incredible potential. A new metal roof was installed in November 2025; however, Hurricane Helene caused significant damage to several structural beams, insulation, and the underside of the home. The property has a septic system in place, though a well will need to be installed.

The home requires substantial repairs and is being sold as-is. A structural engineer is recommended to determine whether the existing structure can be repaired or rebuilt. Ideal for buyers with vision and creativity, this property offers the opportunity to restore the current retreat or explore the possibility of building a new mountain getaway, modular, manufactured, or tiny home elsewhere on the property (buyer to verify).

Tucked away in the peaceful Kyles Creek area of Terry’s Gap, this property feels worlds away while remaining conveniently located between Asheville and Hendersonville. Near the Eastern Continental Divide, the area offers easy access to local restaurants, coffee shops, breweries, public parks, antique stores, art galleries, and more. Less than 20 minutes to Asheville Regional Airport. Discover the beauty and potential of what Western North Carolina has to offer.

Property details

Beds
2
Baths
1
SqFt
0
Lot
Year built
1977
Type
Single Family
Days on market
10
Style
Cottage
Heating
Wood Stove
Cooling
None
Foundation
Pillar/Post/Pier
Flooring
Carpet, Wood
View
Water

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$883/ month

Principal & interest
$743
Property tax (~1.05%)
$105
Homeowners insurance
$35
HOA dues

Down payment

$6,000 down · $114,000 financed

Income to qualify (28% rule)

~$37,851 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he 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.