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John KurtzCharlotte · NC

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Spruce Pine · Spruce Pine, NC

55 Twin Oaks Lane

Spruce Pine, NC · 1,219 sqft

$264,500

Reduced from $269,500

  • 3Beds
  • 2Baths
  • 1,219SqFt
  • 2004Year
  • 46Days on market

About this home

Tucked away on Twin Oaks Lane in Spruce Pine, this cozy mountain home offers a peaceful setting with plenty of potential. Inside, you’ll find an open living area with updated flooring, a wood-accent wall that adds warmth and character, and a simple, functional layout that’s easy to make your own. The home features a comfortable bedroom with closet space, a full bathroom, and a bright living area that opens toward the kitchen and dining space. Natural light fills the interior, and the layout feels open yet inviting. A wood stove adds a rustic touch and supplemental heat for cooler mountain days. Step outside to enjoy the quiet surroundings and wooded views — a great spot for relaxing, or simply enjoying the slower pace of mountain living. Whether you’re looking for a full-time residence, weekend retreat, or investment opportunity, this property offers an affordable entry into the Spruce Pine area. Conveniently located just minutes from town while still feeling private, this home is ready for its next chapter.

Property details

Beds
3
Baths
2
SqFt
1,219
Lot
Year built
2004
Type
Single Family
Days on market
46
Heating
Central
Cooling
Ceiling Fan(s), Central Air
Foundation
Permanent

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,946/ month

Principal & interest
$1,638
Property tax (~1.05%)
$231
Homeowners insurance
$77
HOA dues

Down payment

$13,225 down · $251,275 financed

Income to qualify (28% rule)

~$83,430 / 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.