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John KurtzCharlotte · NC

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Highlands · Highlands, NC

174 Garnet Rock Trail

Highlands, NC · 1,946 sqft

$1,950,000

  • 3Beds
  • 3Baths
  • 1,946SqFt
  • 2000Year
  • 24Days on market

About this home

Tucked within the gated Cullasaja Club in Highlands, NC, this inviting mountain retreat offers the perfect balance of comfort, character, and lifestyle. Thoughtfully designed and built in 2000, the home welcomes you with soaring cathedral ceilings, exposed beams, and a light-filled great room anchored by a gas fireplace—creating an immediate sense of warmth and connection.

The open living and dining areas flow seamlessly to one of the home’s most compelling features: a spacious screened porch with a stone fireplace. This is where mountain living truly comes to life—morning coffee, cool summer evenings, and relaxed gatherings all framed by the natural beauty of the surrounding landscape.

The split bedroom plan provides privacy and flexibility, with 3 bedrooms including 2 ensuite retreats and a third bedroom with a Jack-and-Jill bath—ideal for guests. The kitchen is both functional and inviting, with ample cabinetry, workspace, and easy access to the main living areas.

Outside, beautifully landscaped grounds create a welcoming first impression, while a 2-car attached garage and dedicated golf cart storage add everyday convenience—perfect for enjoying the club lifestyle.

Approved membership offers access to Cullasaja Club’s exceptional amenities, including an Arnold Palmer–designed golf course, clubhouse dining, wellness facilities, tennis, swimming, and a vibrant social calendar.

Opportunities in this community are always in demand—and homes with this combination of layout, outdoor living, and value are increasingly rare. Schedule your private showing today and experience the lifestyle Cullasaja Club is known for.

Property details

Beds
3
Baths
3
SqFt
1,946
Lot
Year built
2000
Type
Single Family
Days on market
24
Garage
2
Style
Cottage, Traditional
Heating
Electric, Heat Pump
Cooling
Central Air
Foundation
Crawl Space, Permanent
Flooring
Tile, Wood
HOA dues
$6,024 / yr

Features

  • Breakfast Bar
  • Built-in Features
  • Split Bedroom
  • Storage
  • Walk-In Closet(s)
  • Wet Bar
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$14,853/ month

Principal & interest
$12,076
Property tax (~1.05%)
$1,706
Homeowners insurance
$568
HOA dues
$502

Down payment

$97,500 down · $1,852,500 financed

Income to qualify (28% rule)

~$636,596 / 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.