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.