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John KurtzCharlotte · NC

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Highlands · Highlands, NC

261 Rock Face Trail #LT 10c

Highlands, NC · 1,022 sqft

$999,000

  • 2Beds
  • 2Baths
  • 1,022SqFt
  • 2023Year
  • 29Days on market

About this home

Priced BELOW tax value = instant equity opportunity you don’t want to miss.

Why buy one when you can get two units for the price of one?

Welcome to a Jeffrey Dungan Low Country XL-designed mountain Tiny cottage where views of Whiteside Mountain don’t get any better. This is the kind of setting people chase in the mountains—and rarely find paired with this level of design and versatility.

Located in the Gated Community of The Preserve at Whiteside Cliffs. The upper level lives like a modern designer home, featuring Summit appliances, quartz countertops, Delta fixtures, and 7” oak hardwood flooring. Soaring cathedral ceilings and 270° panoramic views flood the space with natural light through expansive Ply Gem energy-efficient windows and French doors. Both bedrooms accommodates a king bed, includes full-height closet storage, and a built-in desk. Plus, enjoy your private deck just outside your Main floor Bedroom.

Downstairs offers a fully functional second living space with its own living area, kitchenette, bedroom, and walk-in shower—making this a true dual-unit setup ideal for guests, rental income, or multi-generational living. With its own covered deck with views that don't disappoint.

Stay comfortable year-round with dual Mitsubishi mini-splits (one per level).

Outdoor living is where this property really shines and expands your Tiny Home living space: ~ Over 500 sq ft of upper-level decking to soak in those unmatched Whiteside Mountain views ~ Private deck off the primary bedroom ~ Covered lower-level deck with ceiling fans for relaxed, all-season use

Additional features include: ~ Premium Board and Batten Cedar siding
~ Shiplap Interior Walls ~ Built-in breakfast bar dining ~ Combo washer/dryer ~ Two dry storage areas ~ Energy-efficient construction throughout ~ Sleeps 4+ comfortably

This is more than a mountain getaway—it’s a smart investment priced under tax value with built-in upside from day one. Whether you’re looking for a mountain escape, short-term rental potential, or multi-generational living, this property checks every box. If you’ve been waiting for a property where the view truly delivers—this is it. Opportunities like this—priced under tax value with dual living spaces—don’t sit long. Call and visit the Black Panther TODAY!

Property details

Beds
2
Baths
2
SqFt
1,022
Lot
Year built
2023
Type
Single Family
Days on market
29
Style
Cottage
Heating
Ductless
Cooling
Ductless
Foundation
Permanent
Flooring
Wood, Other - See Remarks
View
Mountain(s), Winter, Year Round
HOA dues
$3,600 / yr

Features

  • Breakfast Bar
  • Built-in Features
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Storage
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$7,652/ month

Principal & interest
$6,187
Property tax (~1.05%)
$874
Homeowners insurance
$291
HOA dues
$300

Down payment

$49,950 down · $949,050 financed

Income to qualify (28% rule)

~$327,969 / 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.