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John KurtzCharlotte · NC

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Black Mountain · Black Mountain, NC

122 Craggy Street

Black Mountain, NC · 1,285 sqft

$424,000

Reduced from $429,000

  • 3Beds
  • 2Baths
  • 1,285SqFt
  • 2011Year
  • 46Days on market

About this home

Ideally located in the heart of Black Mountain, this well-maintained duplex offers the rare combination of walkability, flexibility, and comfort—with sidewalk access just a short stroll to Lake Tomahawk and downtown Black Mountain. Enjoy easy access to trails, dining, shops, and community events right from your front door. This thoughtfully designed home features a primary bedroom on the main level, along with an open-concept living area highlighted by hardwood floors and a seamless, easy-to-maintain layout. The main level also includes a one-car garage for added convenience. Upstairs, you’ll find two additional bedrooms, a full bathroom, and a versatile bonus space perfect for a home office, library, media room, playroom, or fitness area—adaptable to fit your lifestyle. Outside, the fully fenced backyard provides privacy and functionality, ideal for pets, entertaining, or simply enjoying the outdoors from a covered back deck. With no HOA, low-maintenance living, and a highly desirable location, this property is perfectly suited as a full-time residence, lock-and-leave second home, or income-producing short-term rental (Airbnb). Opportunities like this in such a walkable Black Mountain location are hard to find.

Property details

Beds
3
Baths
2
SqFt
1,285
Lot
Year built
2011
Type
Single Family
Days on market
46
Garage
1
Style
Arts and Crafts
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Crawl Space
Flooring
Carpet, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,120/ month

Principal & interest
$2,625
Property tax (~1.05%)
$371
Homeowners insurance
$123
HOA dues

Down payment

$21,200 down · $402,800 financed

Income to qualify (28% rule)

~$133,740 / 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.