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John KurtzCharlotte · NC

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Hot Springs · Hot Springs, NC

131 White Oak Way #34/35

Hot Springs, NC · 1,110 sqft

$425,000

  • 2Beds
  • 1.5Baths
  • 1,110SqFt
  • 2021Year
  • 33Days on market

About this home

Inviting mountain cabin on 4.8± private acres, just 12 miles from Hot Springs, NC, offering exceptional privacy, natural beauty, and a rustic yet refined appeal. Surrounded by lush forest, this peaceful retreat provides easy access to the Appalachian Trail, hiking, rafting, and endless outdoor recreation. A picturesque waterfall along the road to the cabin enhances the serene mountain setting. An additional parcel is included—approved for a septic system and featuring a very nice natural spring—ideal for future building or preserving the view.

The home showcases quality timber construction and thoughtful craftsmanship, complemented by classic vintage-inspired hardware throughout. Designed to maximize its southeastern exposure, the cabin is filled with abundant natural light through well-placed windows. The living room centers around a cozy wood stove, creating a warm and inviting atmosphere. Two bedrooms on the main level are constructed with concrete block beneath the exterior stonework and interior wood finishes, offering both durability and character, while the upstairs loft provides flexible space with a half bath and private balcony—ideal as a sitting area, game room, or guest retreat—complete with breathtaking long-range mountain views.

Enjoy beautiful sunrises from the covered front porch, along with soft, refracted sunset views in the evening. The setting offers exceptional privacy, with no visible homes in the surrounding views, even at night. A striking creek with dramatic boulders and natural terrain enhances the landscape and creates a scenic boundary between properties. While not formally energy certified, the home has been constructed with efficiency in mind.

Unwind in the quiet tranquility of mountain living, all within easy reach of local dining, shops, and small-town charm.

Ideal as a year-round residence, weekend getaway, or income-producing vacation rental.

Property details

Beds
2
Baths
1.5
SqFt
1,110
Lot
Year built
2021
Type
Single Family
Days on market
33
Style
Cabin
Heating
Heat Pump
Cooling
Ductless
Foundation
Slab
Flooring
Concrete
View
Mountain(s)
HOA dues
$750 / yr

Features

  • Storage

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$3,190/ month

Principal & interest
$2,632
Property tax (~1.05%)
$371
Homeowners insurance
$123
HOA dues
$62

Down payment

$21,250 down · $403,750 financed

Income to qualify (28% rule)

~$136,735 / 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.