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.