499 W Middle Creek Rd, Otto, NC, 28763
About This Home
Discover exceptional mountain living in this custom 4-bedroom, 5.5-bath home set on 10.92 unrestricted acres with bold creek frontage and outstanding privacy. Ideal as a horse property or gentleman's farm, the land features a flat, fenced pasture along a big TROUT CREEK—perfect for riding, grazing, or simply enjoying the serene rural setting.A welcoming timber-frame porch with a gas-log fireplace sets the tone. Inside, the main level offers a spacious great room with a vaulted ceiling, rich tongue-and-groove paneling, and hardwood floors throughout. All four bedrooms are ensuite, and a convenient half bath serves the main living area.The lower level extends the living space with a large rec room, two additional sleeping rooms, and a full bath. This level also includes three horse stalls, currently used as storage and a workshop, providing flexible utility for animals or hobbies.Enjoy sweeping views across the pasture toward the valley and mountains, all just a short drive to Highlands and Franklin, NC. A rare combination of craftsmanship, acreage, and waterfront beauty—ready to become your mountain retreat.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2020
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Wood Siding,Board & Batten Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Raised Ranch
- Property subType: Residential
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Electric Oven/Range,Refrigerator,Washer,Dryer,Electric Water Heater
Basement
- Basement: None
Bedroom2
- Level: First
- Area: 125.625
Bedroom3
- Level: First
- Area: 130.3125
Bedroom4
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
- Main level bathrooms: 4
Features
- Cathedral/Vaulted Ceiling,Ceiling Fan(s),Ceramic Tile Bath,Kitchen/Dining Room,Kitchen/FR Combo,Living/Dining Room,Main Level Living,Primary w/Ensuite,Primary on Main Level,Open Floorplan,Rec/Game Room
- Door features: Doors-Insulated
- Window features: Insulated Windows
- Flooring: Ceramic Tile
- Fireplace features: Gas Log,Stone
- Fireplace: Yes
- Attic: None
Heating & Cooling
- Heating features: Electric,Space Heater/Stove,Mini-Split
- Cooling features: Ductless
Interior Area
- Total structure area: 2,592
- Total interior livable area: 2,592 sqft
Master Bedroom
- Level: First
- Area: 126.5556
Property
Details
- Parcel number: 6499492547
Features
- Levels: Two
- Patio & porch: Deck,Porch,Screened Porch/Deck
- Has view: Yes
- View description: Long Range View,View Year Round,Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: River Front
- Residential vegetation: Partially Wooded
- Horses can be raised: Yes
- Living area range: 2401-2600
Lot
- Lot size: 10.92 Acres
- Features: Allow RVs,Flood Plain,Level Yard,Pasture,Private,Rolling,Suitable for Horses,Unrestricted
Parking
- Parking features: No Garage,None-Carport
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
- Landslide
- Lightning
- Inland Flooding
- Ice Storm
- Strong Wind
- Tornado
- Hail
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Macon 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 | $4,545 | $54,540 |
| Home Insurance * | $280 | $3,360 |
| Property Taxes | $268 | $3,216 |
| Electricity | $241 | $2,897 |
| Total | $5,334 | $64,008 |
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 |
|---|---|---|
| 2026-03-30 | Price change | $999,000 |
| 2026-02-28 | Listed for sale | $1,100,000 |
| 2026-01-24 | Listing removed | $1,100,000 |
| 2025-12-11 | Listed for sale | $1,100,000 |
| 2022-07-29 | Sold | $700,000 |
| 2020-10-01 | Sold | $115,000 |
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