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110 Mountain Hearth Drive, Sparta, NC, 28675

11beds
11baths
4,441sqft
$1,775,000
$400price/sqft
$11,068/moest. monthly cost
$442,720/yrincome needed

About This Home

Mountain Hearth, a truly unique mountain retreat, offers an exceptional blend of lifestyle, income potential, and versatility. Once operated as a successful bed and breakfast, this thoughtfully renovated property has been transformed into a private residence while still retaining the infrastructure to easily transition back to hospitality or a variety of commercial uses. The main lodge is warm and inviting, featuring wood floors and a spacious den with beautiful built-in bookshelves. The dining and great room are anchored by a double-sided stacked stone wood-burning fireplace, creating a natural gathering space. The upper floor of the lodge offers 4 bedrooms and 5.5 baths, along with a pantry and laundry for everyday convenience. A retained commercial kitchen—complete with gas and electric ranges, dual dishwashers, and triple sinks—provides the capability to serve guests, host events, or support a wide range of business ventures. A charming self-serve kitchen adds even more flexibility for gatherings and guest use. The lower level expands the possibilities with two separate apartments—one featuring 2 bedrooms and 1 bath, and living area, and the other offering 2 bedrooms, 1 bath, a full kitchen, and living area—ideal for guests, staff, or rental income. Additional features include additional laundry on the lower level, ample storage, and an oversized two-car garage. Outdoor living is where this property truly shines. A large, covered porch overlooks a protected view of Bullhead Mountain. The grounds are thoughtfully designed with a gazebo, kitchen garden area, blueberry bushes, apple trees, an amphibian pond, a creek and pond to enjoy fishing or just listening to the water and relaxing. Enjoy evenings around the firepit or entertain with the outdoor built-in smoker, fireplace, wood-fired pizza oven, and grill. Three cabins provide additional accommodation. The “Fishing Cabin” features a gas fireplace, garden tub, private bath, and unique stone accents sourced from the creek, along with a mini fridge. A second cabin also includes a mini fridge, while the third cabin offers additional guest space, each cabin with its own bath. Additional highlights include a horse barn, a striking sculpture by an Asheville artist, and thoughtful drainage features such as oversized gutters directing water to natural rock elements. Whether envisioned as a boutique bed and breakfast, Airbnb compound, wellness or corporate retreat, spa, equestrian property, or private estate, this one-of-a-kind offering invites you to create something truly special in the Blue Ridge Mountains. The retreat is located just off the Blue Ridge Parkway and near Stone Mountain State Park, the New River, and the Mountains to Sea Trail, with easy access to Sparta, Elkin, and beyond. All within an approximately 90 minute drive to the Charlotte or Greensboro airports. Schedule your personal showing today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

5/10
Glade Creek ElementaryGrades PK-86.3 mi
7/10
Alleghany HighGrades 9-127.3 mi

Construction

Condition

  • Year built: 1988

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Fiber Cement,Concrete,Stone,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Cooktop,Electric Range,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Washer Hookup,Dryer Hookup,In Basement,Main Level

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 11
  • Bathrooms: 11
  • Full bathrooms: 10
  • 1/2 bathrooms: 1

Features

  • Second Kitchen,Vaulted Ceiling(s)
  • Number of fireplaces: 1
  • Fireplace features: One,Gas,Other,See Remarks,Stone,Vented,Outside,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,538
  • Finished area above ground: 2,903

Heating & Cooling

  • Heating features: Baseboard,Fireplace(s),Hot Water,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 5,807
  • Total interior livable area: 4,441 sqft

Property

Details

  • Parcel number: 3998803578
  • Horse amenities: Horses Allowed

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Multiple,Open
  • Exterior features: Fire Pit,Horse Facilities,Out Building(s),Outdoor Grill,Outdoor Kitchen,Storage,Gravel Driveway
  • Has view: Yes
  • View description: Long Range,Mountain(s),Pasture,Creek/Stream,Trees/Woods
  • Has water view: Yes
  • Water view: Creek/Stream
  • Waterfront features: Creek,Pond,Stream

Lot

  • Lot size: 18.15 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Two Car Garage,Gravel,Oversized,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Ice Storm
    Ice StormVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Drought
Inland Flooding
Lightning
Strong Wind
Hail
Landslide
Tornado
Winter Weather

FEMA Declared Disasters in Alleghany County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,975$107,700
Home Insurance *$645$7,740
Property Taxes $1,035$12,420
Electricity $413$4,963
Total$11,068$132,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$379,474/yr
40% on housing$332,040/yr
45% on housing$295,146/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$400This listing

vs Other Active Listings

Avg $/sqft

ZIP 28675$142
Alleghany County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 28675
Alleghany County$238

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-10Listed for sale$2,295,000

For Sale by Agent

AgentJay Woodruff
BrokerageKeller Williams Elite Blue Ridge

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