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548 Bear Cub Dr #25, Spruce Pine, NC, 28777

2beds
2baths
630sqft
$149,000
$237price/sqft
$1,068/moest. monthly cost
$42,720/yrincome needed

About This Home

Welcome to your Fully Furnished Magical Mountain Getaway! Hidden away on a private road on Bear Den Mountain—but little more than a 20-minute drive to either Spruce Pine or Little Switzerland—this charming cabin offers the best of both worlds: privacy and practicality. With unrestricted forest views and within walking distance to hiking trails and waterfalls, the buyer of this charming cabin will appreciate that the property line on one side is adjacent to land protected by the Foothills Conservancy, while the Pisgah National Forest is only a few steps away on the other side—ensuring peace, quiet, and freedom from development. The desirable Spacious Skies Campground, located between the Blue Ridge Parkway and the very private Bear Cub Drive, adds another layer of safety and security—not to mention year-round family fun. Offered fully furnished (down to the bed linens, pots, and pans), the cabin is ready for immediate occupancy or an investment opportunity. The current owner has decorated and outfitted the interior and 30-foot-long screened in porch in a tasteful and inviting mountain cabin style that is sure to be both enticing and comfortable. With two bedrooms and two baths, along with a pull-out couch and a daybed with a trundle bed underneath, the cabin can sleep up to eight people. A renovated kitchen with butcher block countertops, a new sink, stove, and a dining booth that overlooks a mountain laurel garden serves as a wonderful gathering place. There is much to appreciate about this property, but to fully experience the magic, one only has to settle into one of the rocking chairs on the screened porch and—beverage of choice in hand—take in the beauty of the forest as far as the eye can see. Bear Den Mountain, a precursor to today’s “tiny house villages,” originally featured large manufactured vehicles later expanded with attached cabins and porches. These cabin/camper hybrids are a unique part of Western North Carolina mountain history. This 30-foot Yellowstone Camino Camper was placed in 1987, and in 2010 a cabin and deck were seamlessly added. Whether you are seeking a peaceful personal retreat, a turnkey vacation rental, or a place to create lasting mountain memories, this one-of-a-kind property is ready to welcome you home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

4/10
3/10
Mcdowell High SchoolGrades 9-1214.7 mi

Construction

Condition

  • Year built: 2010

Materials

  • Foundation: Pillar/Post/Pier
  • Construction materials: Aluminum,Wood

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Cabin,Other
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Water Heater,Exhaust Hood,Gas Range,Microwave,Refrigerator
  • Laundry features: Other

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Dining Area

  • Level: Main

Features

  • Pantry
  • Door features: Pocket Doors,Screen Door(s),Sliding Doors
  • Window features: Window Treatments
  • Flooring: Tile,Laminate,Linoleum
  • Finished area below ground: 0
  • Finished area above ground: 630

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 630
  • Total interior livable area: 630 sqft

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: Two or More Access Exits,No Interior Steps

Details

  • Parcel number: 171900967494
  • Zoning: Open
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Screened
  • Fencing: Partial

Lot

  • Lot size: 0.25 Acres
  • Features: Private,Wooded

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

  • Inland Flooding
    Inland FloodingVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in McDowell 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 $753$9,036
Home Insurance *$55$660
Property Taxes $60$720
Electricity $200$2,405
Total$1,068$12,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,617/yr
40% on housing$32,040/yr
45% on housing$28,480/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 28777$155
McDowell County$261

vs Homes Sold Last Month

Median $/sqft

ZIP 28777
McDowell County$232

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)

No zestimate history available

Price History

DateEventPrice
2026-05-08Listed for sale$175,000

For Sale by Agent

AgentKelly Lassiter
BrokerageKeller Williams Professionals

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