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John KurtzCharlotte · NC

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Topton · Topton, NC

1101 Otter Creek Road

Topton, NC · 1,580 sqft

$220,000

  • 3Beds
  • 2Baths
  • 1,580SqFt
  • 1940Year
  • 1Days on market

About this home

Nestled in the heart of the Nantahala fly-fishing region, this 3.77-acre property offers exceptional versatility — ideal as a primary residence, fishing getaway, or short-term rental. With thoughtful updates and renovation, the home could become a comfortable full-time residence, while the expansive acreage provides ample room for additional investment cabins. The area is renowned for world-class trout fishing, with nearby waters supporting brook, rainbow, and brown trout and drawing anglers year-round. Enjoy peaceful country living and pastoral views, all while being just minutes from the upper Nantahala River, Nantahala Lake, and the Appalachian Trail. Whether you envision a private mountain retreat or an income-producing opportunity, this property combines natural beauty, recreation, and location in one of Western North Carolina’s most desirable outdoor settings.

Property details

Beds
3
Baths
2
SqFt
1,580
Lot
Year built
1940
Type
Single Family
Days on market
1
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space
Flooring
Carpet, Laminate, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,619/ month

Principal & interest
$1,362
Property tax (~1.05%)
$192
Homeowners insurance
$64
HOA dues

Down payment

$11,000 down · $209,000 financed

Income to qualify (28% rule)

~$69,393 / 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.