Skip to content
John KurtzCharlotte · NC

View all 44 photos →

Saluda · Saluda, NC

645 W Fork Creek Road

Saluda, NC · 1,894 sqft

$545,000

Reduced from $625,000

  • 4Beds
  • 3Baths
  • 1,894SqFt
  • 1990Year
  • 238Days on market

About this home

Seller is motivated and willing to offer a home warranty and/or closing cost assistance with a competitive offer.

Charming Mountain Retreat with Stream, Guest Barn & Room to Roam minutes from Downtown Saluda, NC

Tucked away on 4.4 wooded acres, this private mountain property with two dwellings totaling 3,562 square feet of living space offers a great mix of quiet surroundings and convenient location—less than 15 minutes to downtown Saluda, 30 minutes to Hendersonville, and 45 minutes to Asheville.

The main home features 3 bedrooms, 2 bathrooms, and 1,894 square feet with hardwood floors, vaulted ceilings, and plenty of natural light. The rock fireplace with wood stove gives the living area a warm, comfortable feel—especially on cooler mountain evenings.

Outside, you’ll find both a covered front porch and a screened-in porch, perfect for enjoying the setting year-round. The exterior has been recently painted, and there’s a whole-house generator and encapsulated crawl space already in place.

Just steps away is a converted barn set up as a separate living space, with a bedroom, full kitchen, bathroom, and a large bonus room totaling 1,668 square feet. It works well for guests, extended family, or rental income.

The land itself is a standout feature, with a small mountain stream, mature trees for privacy, and a level yard with room to garden, play, or keep animals. There’s also a fenced area ready to go.

This property works for a lot of different needs—full-time living, a second home, or an investment opportunity.

Property details

Beds
4
Baths
3
SqFt
1,894
Lot
Year built
1990
Type
Single Family
Days on market
238
Style
Ranch
Heating
Ductless, Forced Air, Propane, Wood Stove
Cooling
Attic Fan, Ceiling Fan(s), Central Air, Ductless
Foundation
Crawl Space
Flooring
Tile, Wood

Features

  • Attic Other
  • Attic Stairs Pulldown
  • Breakfast Bar
  • Open Floorplan
  • Pantry
  • Split Bedroom
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Fence

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,011/ month

Principal & interest
$3,375
Property tax (~1.05%)
$476
Homeowners insurance
$158
HOA dues

Down payment

$27,250 down · $517,750 financed

Income to qualify (28% rule)

~$171,907 / 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.