Investment Opportunity. Mountain-Top Cabin Retreat with Spectacular Smoky Mountain Views. This 1,800 sq ft, 3-bed, 2-bath cabin with multiple bonus rooms is located in Ocona Lake Estates blends rustic charm with modern updates. The main level's open layout features a simple kitchen, living and dining area that flows to a newly renovated deck where you can soak up the mountain vistas. The materials are a mix of wood and drywall finishes. Main level: efficient kitchen, living room, dining area, full bath, bedroom. Upper level: two bedrooms with private balconies, full bath. Basement features multiple bonus rooms and pool and game room. New deck boards and railings, fresh paint inside and out. Gravel parking plus overflow space. Perched on a private 1.022-acre ridge with minimal maintenance, this cabin is just 5 miles from both Bryson City and Cherokee's shops, restaurants and outdoor adventures. Enjoy privacy at the top of a maintained gravel road and low HOA dues covering water and road upkeep. Generated an average of $66,000/year in rental income for past 7 years—ideal for an investment property. Don't miss this mountain-top gem. Schedule your showing today! Owner is Broker.
Under contract
$449,000
412 Holley Mountain Top Rd, Whittier, NC 28789
3beds
1,820sqft
Residential, Cabin, Current Rental
Built in 2000
1.02 Acres Lot
$439,300 Zestimate®
$247/sqft
$48/mo HOA
What's special
Spectacular smoky mountain viewsPool and game roomModern updatesNewly renovated deckRustic charmMultiple bonus roomsEfficient kitchen
- 389 days |
- 26 |
- 0 |
Zillow last checked:
Listing updated:
Listed by:
Brian Whitener,
Smoky Mountain Life, LLC Dba Smoky Mountain Stays
Source: Carolina Smokies MLS,MLS#: 26041202
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
Primary bedroom
- Level: First
- Area: 109.38
- Dimensions: 10.5 x 10.42
Bedroom 2
- Level: Second
- Area: 142.33
- Dimensions: 10.17 x 14
Bedroom 3
- Level: Second
- Area: 200.67
- Dimensions: 14 x 14.33
Dining room
- Level: First
Kitchen
- Level: First
Living room
- Level: First
Heating
- Electric
Cooling
- Heat Pump
Appliances
- Included: Dishwasher, Disposal, Microwave, Electric Oven/Range, Refrigerator, Washer, Dryer, Electric Water Heater
Features
- Bonus Room, Ceiling Fan(s), Kitchen/Dining Room, Main Level Living, Primary on Main Level, Open Floorplan, Rec/Game Room
- Flooring: Carpet, Combination, Luxury Vinyl Plank
- Windows: Insulated Windows
- Basement: Full,Finished,Heated,Recreation/Game Room,Exterior Entry,Interior Entry
- Attic: None
- Has fireplace: Yes
- Fireplace features: Gas Log
- Furnished: Yes
Interior area
- Total structure area: 1,820
- Total interior livable area: 1,820 sqft
Video & virtual tour
Property
Parking
- Parking features: No Garage
Features
- Levels: One and One Half
- Patio & porch: Deck, Porch
- Exterior features: Rustic Appearance
- Has view: Yes
- View description: Long Range View, Valley, View-Winter, View Year Round
Lot
- Size: 1.02 Acres
- Features: Private, Wooded
- Residential vegetation: Partially Wooded
Details
- Additional structures: Storage Building/Shed
- Parcel number: 669402887266
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Log,Cabin
- Property subtype: Residential, Cabin, Current Rental
Materials
- Log, Wood Siding
- Roof: Metal
Condition
- Year built: 2000
Utilities & green energy
- Sewer: Septic Tank
- Water: Well, Shared Well, Community
- Utilities for property: Cell Service Available
Community & HOA
Community
- Security: Carbon Monoxide Detector(s)
- Subdivision: Ocona Estates
HOA
- HOA fee: $575 annually
Location
- Region: Whittier
Financial & listing details
- Price per square foot: $247/sqft
- Tax assessed value: $194,400
- Annual tax amount: $1,088
- Date on market: 6/11/2025
- Listing terms: Cash,Conventional
- Road surface type: Gravel
Estimated market value
$439,300
Estimated sales range
Not available
$2,370/mo
Price history
| Date | Event | Price |
|---|---|---|
| 1/8/2026 | Sold | $435,000-3.1%$239/sqft |
Source: Public Record Report a problem | ||
| 12/1/2025 | Listing removed | $449,000$247/sqft |
Source: Carolina Smokies MLS #26041202 Report a problem | ||
| 11/21/2025 | Price change | $449,000-3.4%$247/sqft |
Source: Carolina Smokies MLS #26041202 Report a problem | ||
| 7/19/2025 | Price change | $465,000-4.9%$255/sqft |
Source: Carolina Smokies MLS #26041202 Report a problem | ||
| 6/11/2025 | Listed for sale | $489,000+145.7%$269/sqft |
Source: Carolina Smokies MLS #26041202 Report a problem | ||
| 7/24/2015 | Sold | $199,000$109/sqft |
Source: Carolina Smokies MLS #25951539 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,084 -0.3% | $194,400 |
| 2024 | $1,088 +14.5% | $194,400 |
| 2023 | $950 +35.7% | $194,400 |
| 2022 | $700 -26.3% | $194,400 |
| 2021 | $950 +27% | $194,400 +4% |
| 2020 | $748 | $186,990 |
| 2019 | -- | $186,990 |
| 2018 | -- | $186,990 |
| 2017 | -- | $186,990 |
| 2016 | -- | $186,990 |
| 2015 | -- | $186,990 |
| 2014 | -- | $186,990 |
| 2013 | -- | $186,990 +5.6% |
| 2012 | -- | $177,100 |
| 2011 | -- | $177,100 |
| 2010 | -- | $177,100 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.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.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 28789
Getting around
0 / 100
Car-DependentNearby schools
GreatSchools rating
- 3/10Swain County East ElementaryGrades: K-5Distance: 1 mi
- NACherokee Extension High SchoolGrades: K-12Distance: 4.7 mi
- 4/10Swain County Middle SchoolGrades: PK,6-8Distance: 4.8 mi
A local agent can set up tours, give advice and negotiate with sellers.
- North Carolina
- Swain County
- Whittier
- 28789
- 412 Holley Mountain Top Rd
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