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208 Murdock Spruce, Bakersville, NC, 28705

4beds
3baths
0sqft
$355,000
--price/sqft
$2,286/moest. monthly cost
$91,440/yrincome needed

About This Home

2,132 sq ft of Mountain Serenity on 1.39 Unrestricted Acres-No "HOA fees". Well maintained all-brick ranch 4- bedroom/3-bath home your gateway to true Appalachian bliss. Wake up to the sound of a year-round stream and cool mountain air in this private, move-in-ready retreat just minutes from Bakersville and Penland School of Crafts. With two full primary suites and flexible living space, this home offers the rare opportunity for multi-generational living, rental income or your own peaceful escape in the Blue Ridge Mountains.: Large Living Room features shiny refinished Oak Hardwood Floors and a beautiful Native-Stone Fireplace with new gas logs, perfect for cozy evenings. Spacious & Functional Kitchen - Timeless style that never goes out of date- This well-laid-out design that makes cooking a delightful experience; Bright and Inviting offering everything you need for comfortable living and easy entertaining. Key Features: **New Stainless steel refrigerator and black/stainless range **New Built-in dishwasher **Warm oak cabinetry with plenty of storage; **Double sink with window overlooking the creek (great natural light!) **New Granite Countertops- durable workspace and a touch of elegance, **Tiled flooring **Updated lighting **Spacious pantry for effortless organization. **Generous peninsula/breakfast bar New Energy-efficient windows; Updated bathrooms with modern fixtures and durable tile flooring; Spacious laundry with tile floor and outdoor exit. New Ceiling fans. Efficient heat pump and durable metal roof for worry-free living; 2-expansive primary suites, each with private en-suites-one fully handicap-accessible shower with zero-step entry and grab bars. Standout master suite-1 is exceptionally spacious and offers incredible versatility: its large, open area could easily be converted into a separate living quarters or in-law suite/apartment-complete with room for a living room/kitchen combo, an additional bedroom space, a huge private bathroom and a private entrance for added independence. This thoughtful layout opens up endless possibilities, such as multi-generational living, hosting extended family with privacy or creating a duplex-style setup for potential rental income or guest accommodations. With single-level living, this home is designed for ease and accessibility at every turn. Outside, the possibilities continues on 1.39 acres of unrestricted land: Two versatile storage buildings for tools, toys or hobbies; Paved driveway access; Ample space for gardening, or add a custom garage/workshop; (Rooms with furniture are AI staged). Schedule your private showing today-your mountain paradise awaits! Seller is anxious for an offer..... Showing

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Gouge ElementaryGrades K-43.8 mi
5/10
Bowman MiddleGrades 5-83.7 mi
3/10
Mitchell HighGrades 9-121.9 mi

Construction

Condition

  • Year built: 1978

Materials

  • Roof: Metal
  • Construction materials: Frame,Brick Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Oven,Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Crawl

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 2,132

Heating & Cooling

  • Heating features: Electric,Propane,Heat Pump
  • Cooling features: Central

Interior Area

  • Total structure area: 2,132

Kitchen

  • Features: Open,Granite Counters

Property

Accessibility

  • Accessibility features: Handicap

Details

  • Parcel number: 086100880576
  • Lease amount: 0

Features

  • Stories: 1
  • Patio & porch: Open Porch
  • Exterior features: Utilities
  • Has view: Yes
  • View description: Stream
  • Has water view: Yes
  • Water view: Stream
  • On waterfront: Yes
  • Waterfront features: Stream

Lot

  • Lot size: 1.14 Acres

Parking

  • Parking features: Driveway
  • 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
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Mitchell 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 $1,795$21,540
Home Insurance *$132$1,584
Property Taxes $159$1,908
Electricity $200$2,405
Total$2,286$27,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,377/yr
40% on housing$68,580/yr
45% on housing$60,960/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 9.2%
9.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 28705$201
Mitchell County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 28705
Mitchell County$231

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
2026-05-07Price change$385,000
2026-02-13Price change$388,900
2025-12-17Listed for sale$397,900

For Sale by Agent

AgentConnie Ray
BrokerageFoxfire Real Estate LLC

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