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John KurtzCharlotte · NC

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Waynesville · Waynesville, NC

21 Swift Stream Lane

Waynesville, NC · 1,680 sqft

$445,000

  • 3Beds
  • 2Baths
  • 1,680SqFt
  • 2023Year
  • 11Days on market

About this home

Enjoy the rare opportunity to own a beautiful mountain creekfront property paired with an immaculate one-level home built in 2023. Offering 3 bedrooms, 2 baths, and approximately 1,680 square feet, this Energy Smart home has been thoughtfully designed for comfort, convenience, and easy mountain living—all set along a bold, trout-filled creek flowing through the scenic Cove Creek community of Haywood County. This mountain creek eventually feeds into the larger waterways of the Pigeon River, creating a peaceful natural setting right in your own backyard.

Inside, you’ll find an inviting open floor plan with a split-bedroom layout, enhanced by soaring 10-foot ceilings, crown molding, and a spacious airy feel throughout. The living area is centered around a striking stone wood-burning fireplace with built-in shelving, creating a warm and welcoming focal point for relaxing evenings or gathering with family and friends. The kitchen offers generous cabinet space and flows seamlessly into the dining and living areas, making everyday living and entertaining easy and enjoyable.

The primary suite serves as a comfortable private retreat, complete with an ensuite bath featuring a large walk-in shower. Additional highlights include a well-insulated detached two-car garage, storage building, and durable metal roof designed for low-maintenance living.

Step outside onto the generous covered back porch overlooking the bold flowing creek that runs along the entire backyard. Whether enjoying your morning coffee, casting a line in the trout waters, entertaining guests, or simply taking in the soothing sounds of the water and surrounding mountain scenery, this outdoor space invites you to slow down and savor the beauty around you.

Located in a private community, the property allows both short-term and long-term rentals, offering excellent flexibility as a full-time residence, mountain getaway, or investment opportunity. Conveniently located with easy access to major highways and nearby amenities, you’re just minutes from Maggie Valley, downtown Waynesville, and Cherokee, with Asheville approximately 30 minutes away via I-40.

Property details

Beds
3
Baths
2
SqFt
1,680
Lot
Year built
2023
Type
Single Family
Days on market
11
Garage
2
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Crawl Space
Flooring
Vinyl
View
Mountain(s), Water, Year Round
HOA dues
$400 / yr

Features

  • Breakfast Bar
  • Kitchen Island
  • Open Floorplan
  • Split Bedroom

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$3,308/ month

Principal & interest
$2,756
Property tax (~1.05%)
$389
Homeowners insurance
$129
HOA dues
$33

Down payment

$22,250 down · $422,750 financed

Income to qualify (28% rule)

~$141,793 / 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.