Under contract

$315,000

200 River Road 2, Banner Elk, NC 28604

2beds

860sqft

$2,090/mo

Get pre-qualified

Single Family Residence

Built in 1972

2,613 Square Feet Lot

$-- Zestimate^®

$366/sqft

$175/mo HOA

What's special

Fully furnished and turn-keyOutdoor seating areas

Cozy Riverfront Cottage in Mill Ridge! This charming 2-bedroom, 1.5-bath home offers a peaceful setting along the river, with the soothing sound of rushing water just outside your door. The inviting sunroom overlooks the water and provides a relaxing spot to enjoy the setting year-round. Spend evenings gathered around the fire pit on the patio, or unwind in one of the outdoor seating areas while taking in the surrounding nature. Inside, the kitchen has been refreshed with new cabinets and stainless steel appliances. Fully furnished and turn-key, this delightful cottage is ready to enjoy as a weekend getaway, vacation retreat, or short-term rental opportunity. A wonderful place to relax and enjoy the beauty of the High Country.

18 days
2,185
268

Likely to sell faster than

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 2
Bathrooms: 2
Full bathrooms: 1
1/2 bathrooms: 1

Heating

Ductless, Fireplace(s), Radiant Floor

Cooling

Ductless

Appliances

Included: Dryer, Dishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
Laundry: Washer Hookup, Dryer Hookup, Main Level

Features

Furnished
Basement: Crawl Space
Has fireplace: Yes
Fireplace features: Wood Burning
Furnished: Yes

Interior area

Total structure area: 0
Total interior livable area: 860 sqft
Finished area above ground: 860
Finished area below ground: 0

Property

Parking

Parking features: Driveway
Has uncovered spaces: Yes

Features

Levels: One
Stories: 1
Patio & porch: Covered, Open, Patio, Stone
Exterior features: Fire Pit, Pool
Has private pool: Yes
Pool features: Community
Has view: Yes
View description: Residential, River
Has water view: Yes
Water view: River

Lot

Size: 2,613 Square Feet

Details

Parcel number: 1878868797000
Zoning description: R1

Construction

Type & style

Home type: SingleFamily
Architectural style: Cottage
Property subtype: Single Family Residence

Materials

Cedar, Shake Siding, Wood Frame
Roof: Asphalt,Shingle

Condition

Year built: 1972

Utilities & green energy

Sewer: Community/Coop Sewer
Water: Community/Coop
Utilities for property: High Speed Internet Available

Community & HOA

Community

Features: Clubhouse, Pool, Tennis Court(s), Long Term Rental Allowed, Short Term Rental Allowed
Subdivision: Mill Ridge

HOA

Has HOA: Yes
HOA fee: $175 monthly

Location

Region: Banner Elk

Financial & listing details

Price per square foot: $366/sqft
Tax assessed value: $183,900
Annual tax amount: $765
Date on market: 9/9/2026
Listing terms: Cash,Conventional,New Loan
Road surface type: Paved

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
9/18/2026	Contingent	$315,000$366/sqft
Source: High Country AOR #264163 Report a problem
9/9/2026	Listed for sale	$315,000+162.5%$366/sqft
Source: High Country AOR #264163 Report a problem
4/11/2019	Sold	$120,000-3.2%$140/sqft
Source: High Country AOR #212928 Report a problem
3/12/2019	Pending sale	$124,000$144/sqft
Source: Blue Ridge Realty & Inv. Linville #212928 Report a problem
3/8/2019	Listed for sale	$124,000$144/sqft
Source: Blue Ridge Realty & Inv. Linville #212928 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	--	$183,900
2024	$780	$183,900
2023	$780 +3%	$183,900
2022	$757 +34.4%	$183,900 +72.5%
2021	$563	$106,600
2020	$563 +17.9%	$106,600 +21.6%
2019	$477	$87,700
2018	$477 +10.1%	$87,700
2017	$433 +8.8%	$87,700 +18.7%
2013	$398	$73,900
2012	--	$73,900
2011	--	$73,900
2010	--	$73,900

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

Explore the cost of this home by adjusting the details. Changes won't be saved.

Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

See how much you could borrow to make a competitive offer.

Get pre-qualified

Climate risks

Neighborhood: 28604

Nearby schools

GreatSchools rating

7/10
Valle Crucis Elementary
Grades: PK-8Distance: 8.5 mi
8/10
Watauga High
Grades: 9-12Distance: 8.4 mi

Schools provided by the listing agent

Elementary: Valle Crucis
High: Watauga

Source: High Country AOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.