Spruce Pine · Spruce Pine, NC
1086 Carters Ridge Road
Spruce Pine, NC · 2,914 sqft
$746,950
Reduced from $749,950
- 4Beds
- 4Baths
- 2,914SqFt
- 1958Year
- 48Days on market
About this home
Unique opportunity in the scenic mountain town of Spruce Pine! 45 min. to Boone, an hour to Asheville, close to ski slopes and Blue Ridge Parkway. This versatile property offers exceptional flexibility and can easily be converted into a duplex or even a triplex, making it ideal for multigenerational living, short-term rental, or income-producing potential. The main level is thoughtfully laid out with two separate living spaces. The left side features a private primary suite, kitchen, living room, laundry area, half bath, and a screened-in porch with hot tub, perfect for enjoying the mountain setting. The right side includes two bedrooms, one full bath, a kitchen with breakfast area, dining room, living room, laundry, and a covered porch. The basement level adds even more living space with a large bedroom and full bath, along with a garage and abundant storage. In total, the home offers 4 bedrooms and 3.5 bathrooms. Additional features include multiple septic tanks and tankless water heaters for added efficiency and convenience. A new roof was installed in February 2025. Outside, you’ll find a spacious 60x26 outbuilding with roll-up doors, ideal for storing ATVs, boats, or campers, or for use as a workshop. Situated on 1.02 acres, the property showcases beautiful mountain views and provides endless possibilities for personal use or investment. Schedule your showing today!
Property details
- Beds
- 4
- Baths
- 4
- SqFt
- 2,914
- Lot
- —
- Year built
- 1958
- Type
- Single Family
- Days on market
- 48
- Garage
- 1
- Heating
- Ductless, Heat Pump
- Cooling
- Ductless, Heat Pump, Multi Units
- Foundation
- Basement
Features
- Breakfast Bar
- Kitchen Island
- Split Bedroom
- Hot Tub
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$5,497/ month
- Principal & interest
- $4,626
- Property tax (~1.05%)
- $653
- Homeowners insurance
- $217
- HOA dues
- —
Down payment
$37,347 down · $709,602 financed
Income to qualify (28% rule)
~$235,608 / 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.