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John KurtzCharlotte · NC

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Mill Spring · Mill Spring, NC

2140 Harm Creek Loop

Mill Spring, NC · 3,200 sqft

$2,070,862

  • 4Beds
  • 4.5Baths
  • 3,200SqFt
  • 2025Year
  • 519Days on market

About this home

NOW under construction Located in one of the wooded high valleys of Bright’s Creek Golf/Equestrian gated community this new construction project is a collaboration from Modern Mountain Builders and Narwhal Design, blending contemporary aesthetics and functional design to create a serene mountain home. This home provides main level living with contiguous Kitchen/Dining/Living wing with large screen porch and deck, two bedrooms with en suite baths, pantry, mudroom and two-car garage. The upper level features two additional bedrooms with en suite baths and an office nook. An unfinished lower level offers the opportunity for a large rec room/home theater, additional full bath and access to an outdoor patio. The gentle sloping lot allows ample space for outdoor living & entertaining. Once completed it will be NC GreenBuilt Certified, low maintenance finishes, wood timber & stone accents, large glazing for views & light and built-in cabinetry round out this home with simple elegant detail.

Property details

Beds
4
Baths
4.5
SqFt
3,200
Lot
Year built
2025
Type
Single Family
Days on market
519
Garage
2
Style
Contemporary
Heating
Central, Electric, ENERGY STAR Qualified Equipment, Forced Air, Fresh Air Ventilation, Heat Pump, Humidity Control, Sealed Combustion Fireplace, Zoned
Cooling
Central Air, Electric, ENERGY STAR Qualified Equipment, Heat Pump, Humidity Control, Zoned
Foundation
Basement, Crawl Space
Flooring
Slate, Tile, Vinyl, Wood
View
Long Range, Mountain(s)
HOA dues
$657 / qtr

Features

  • Built-in Features
  • Cable Prewire
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Fire Pit
  • Rainwater Catchment

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$15,460/ month

Principal & interest
$12,825
Property tax (~1.05%)
$1,812
Homeowners insurance
$604
HOA dues
$219

Down payment

$103,543 down · $1,967,318 financed

Income to qualify (28% rule)

~$662,590 / 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.