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John KurtzCharlotte · NC

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Flat Rock · Flat Rock, NC

40 Country Bear Lane

Flat Rock, NC · 2,020 sqft

$599,000

Reduced from $718,000

  • 4Beds
  • 3Baths
  • 2,020SqFt
  • 1987Year
  • 126Days on market

About this home

NEW PRICE - $88,000 BELOW RECENT APPRAISAL! Imagine a home where family can be close—without giving up privacy. Where a parent, adult child, or caregiver can have their own space, their own kitchen, and their own front door… yet still be just steps away when it matters. This rare two-unit property offers the ideal setup for multi-generational living, an in-law suite, or a true family compound, all tucked into a private setting just minutes from Flat Rock shopping, dining, and local attractions. The main home (Unit 1) welcomes you with abundant natural light, a cozy gas fireplace, and a floor plan designed for everyday living and easy hosting. Enjoy 3* bedrooms including a primary suite with walk-in closet, en-suite bathroom, and sunroom, and guest bedroom on the main level, a bedroom* with its own en-suite bathroom on the second floor, and a second sunroom off of the dinette. The updated kitchen features granite countertops and a neutral-toned tiled backsplash—ready for weeknight meals or holiday gatherings alike. The separate Unit 2 offers a spacious 1 bedroom / 1 bathroom duplex-style suite with full kitchen, living/dining area, oversized walk-in closet, and a large utility/storage room—ideal for extended family, guests, or long-term rental options. A 2-car garage plus a 4-car tandem basement garage with oversized doors creates endless possibilities for a workshop, tools, equipment, trailers, outdoor toys, or even a home-based business. Outside, the property spans 1.1 acres with wooded and MOUNTAIN VIEWS and borders the Green River Game Lands, offering hiking trails, rivers, hunting, and frequent wildlife sightings—including deer and wild turkeys right on your property. A large pool with a 9’ diving end adds a fun bonus for summer days and entertaining, and newer HVAC systems (2019 and 2025) provide added comfort and peace of mind. This is more than a home—it’s a lifestyle with room to grow, create, and gather. Schedule your private tour today and experience the flexibility, privacy, and possibilities in person. *Note - the third bedroom can be used as a bonus/flex/office/study room; the pool cover is virtually placed, and this property is also listed as a duplex with MLS#4332648.

Property details

Beds
4
Baths
3
SqFt
2,020
Lot
Year built
1987
Type
Single Family
Days on market
126
Garage
6
Heating
Central, Propane
Cooling
Electric, Other - See Remarks
Foundation
Crawl Space, Slab
Flooring
Carpet, Tile, Vinyl

Features

  • Attic Stairs Pulldown
  • Built-in Features
  • Hot Tub
  • Pantry
  • Split Bedroom
  • Storage
  • Walk-In Closet(s)
  • Other - See Remarks
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,408/ month

Principal & interest
$3,709
Property tax (~1.05%)
$524
Homeowners insurance
$174
HOA dues

Down payment

$29,950 down · $569,050 financed

Income to qualify (28% rule)

~$188,940 / 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.