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John KurtzCharlotte · NC

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Spruce Pine · Spruce Pine, NC

542 Allen Mountain Lane

Spruce Pine, NC · 2,778 sqft

$995,000

  • 3Beds
  • 3.5Baths
  • 2,778SqFt
  • 1996Year
  • 57Days on market

About this home

Experience the true spirit of mountain living with this stunning log cabin retreat set on 5 private acres overlooking the beautiful North Toe River. With 135 feet of river frontage, breathtaking mountain views, and a peaceful pond full of goldfish, this property offers the ultimate combination of serenity and outdoor adventure.

A private path leads down to the river, wide enough for ATVs to navigate, where you can launch inner tubes, wade in the cool mountain water, fly fish, or simply relax along the riverbank and enjoy the sound of the flowing river. This is more than a home – it’s your own private mountain adventure without ever leaving the property.

Spend your evenings soaking in the mountain views from the spacious deck, or open the windows and enjoy the cool mountain breeze while listening to the river flowing below. With Anderson windows and doors throughout, the natural beauty outside becomes part of the living experience inside.

Inside, the cabin welcomes you with a spacious open floor plan designed for gathering and entertaining. The living room features soaring vaulted ceilings and a stunning stone fireplace where a new Buck Stove was recently added, creating the perfect cozy mountain atmosphere. The dining area flows effortlessly into the kitchen featuring granite countertops, gas range, abundant cabinetry, a large island, and breakfast area.

The loft overlooks the main living area and provides the perfect space for a game room, reading nook, or additional gathering area. A pool table is in place and ready for games and laughter to begin.

The primary suite offers vaulted ceilings, hardwood floors, a large walk-in closet, and a beautifully appointed bath with granite countertops, tile flooring, and glass shower doors. Two additional spacious bedrooms are located on the main level along with a charming guest bath featuring a classic clawfoot tub.

The attached two-car garage has been converted into two additional bonus rooms and a full bath, offering flexible space for guests, hobbies, or home office use.

Outdoor living is just as impressive with a fantastic outdoor bar on the back deck area overlooking the river, perfect for entertaining family and friends after a day of fishing, tubing, or exploring the river.

Additional features include:

• Brand new standing seam metal roof • Whole-house generator • Fresh mountain spring water • Detached two-level workshop with office and half bath – ideal for woodworking or creative projects or convert it to a guest house • Lower level of the workshop provides ample storage

From fishing in the river, riding the ATV path down to the river, floating the North Toe on inner tubes, or simply relaxing on the deck with mountain views, this property truly captures the epitome of peaceful mountain living.

This is not just a mountain home – it is a complete mountain lifestyle experience.

Property details

Beds
3
Baths
3.5
SqFt
2,778
Lot
Year built
1996
Type
Single Family
Days on market
57
Style
Cabin, Rustic
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Crawl Space, Slab
Flooring
Parquet, Tile, Wood
View
Mountain(s), Water, Year Round
HOA dues
$600 / yr

Features

  • Kitchen Island
  • Storage
  • Walk-In Closet(s)

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$7,373/ month

Principal & interest
$6,162
Property tax (~1.05%)
$870
Homeowners insurance
$290
HOA dues
$50

Down payment

$49,750 down · $945,250 financed

Income to qualify (28% rule)

~$315,992 / 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.