1086 Carters Ridge Rd, Spruce Pine, NC, 28777
About This Home
Unique opportunity in the scenic mountain town of Spruce Pine! 45 min. to Boone, an hour to Asheville, close to ski slopes and Blue Ridge Parkway. This versatile property offers exceptional flexibility and can easily be converted into a duplex or even a triplex, making it ideal for multigenerational living, short-term rental, or income-producing potential. The main level is thoughtfully laid out with two separate living spaces. The left side features a private primary suite, kitchen, living room, laundry area, half bath, and a screened-in porch with hot tub, perfect for enjoying the mountain setting. The right side includes two bedrooms, one full bath, a kitchen with breakfast area, dining room, living room, laundry, and a covered porch. The basement level adds even more living space with a large bedroom and full bath, along with a garage and abundant storage. In total, the home offers 4 bedrooms and 3.5 bathrooms. Additional features include multiple septic tanks and tankless water heaters for added efficiency and convenience. A new roof was installed in February 2025. Outside, you’ll find a spacious 60x26 outbuilding with roll-up doors, ideal for storing ATVs, boats, or campers, or for use as a workshop. Situated on 1.02 acres, the property showcases beautiful mountain views and provides endless possibilities for personal use or investment. Schedule your showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1958
Materials
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Range,Microwave,Refrigerator,Washer/Dryer
- Laundry features: Laundry Room,Main Level,Multiple Locations
Basement
- Has basement: Yes
- Basement: Basement Garage Door,Exterior Entry,Interior Entry,Partially Finished,Storage Space
Bathroom Full
- Level: Main
Bathroom Full
- Level: Main
Bathroom Half
- Level: Main
Bedroom S
- Level: Main
Bedroom S
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 5
- Full bathrooms: 3
- 1/2 bathrooms: 2
- Main level bedrooms: 3
Breakfast
- Level: Main
Dining Room
- Level: Main
Features
- Breakfast Bar,Kitchen Island
- Fireplace features: Gas Log
- Finished area below ground: 381
- Finished area above ground: 2,533
Heating & Cooling
- Heating features: Ductless,Heat Pump
- Cooling features: Ductless,Heat Pump,Multi Units
Interior Area
- Total structure area: 2,533
- Total interior livable area: 2,914 sqft
Kitchen
- Level: Main
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Living Room
- Level: Main
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 079900538270
- Zoning: none
- Special condition: Standard
- Exclusions: See Remarks
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Porch,Screened,Side Porch
- Has spa: Yes
- Spa features: Heated
Lot
- Lot size: 1.02 Acres
Parking
- Total spaces: 1
- Parking features: Basement,Driveway,Attached Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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
- Lightning
- Cold Wave
- Inland Flooding
- Ice Storm
- Strong Wind
- Landslide
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Mitchell County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,539 | $42,468 |
| Home Insurance * | $244 | $2,928 |
| Property Taxes | $382 | $4,584 |
| Electricity | $271 | $3,256 |
| Total | $4,436 | $53,232 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Price change | $746,950 |
| 2026-03-24 | Listed for sale | $749,950 |
| 2026-02-26 | Listing removed | $775,000 |
| 2026-02-18 | Price change | $712,000 |
| 2026-01-27 | Price change | $715,000 |
| 2026-01-27 | Price change | $775,000 |
| 2025-11-02 | Price change | $800,000 |
| 2025-09-22 | Listed for sale | $829,900 |
| 2025-09-22 | Listing removed | $725,000 |
| 2025-06-29 | Listed for sale | $725,000 |
| 2025-05-28 | Listing removed | $740,000 |
| 2025-04-22 | Price change | $740,000 |
| 2025-03-31 | Price change | $750,000 |
| 2025-03-04 | Price change | $799,900 |
| 2025-03-01 | Listed for sale | $799,000 |
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