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For sale
    • Price cut: $60K (7/27)
    $939,000

    499 W Middle Creek Rd, Otto, NC 28763

    4beds
    2,592sqft
    : 
    $5,343/mo
    Get pre-qualified
    Residential
    Built in 2020
    10.92 Acres Lot
    $951,500 Zestimate®
    $362/sqft
    $-- HOA

    What's special

    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.
    10 hours
    |
    117
    |
    10
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Marty Kimsey,

    Re/Max Elite Realty

    Source: Carolina Smokies MLS,MLS#: 26048023

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 6
      • Full bathrooms: 5
      • 1/2 bathrooms: 1
      • Main level bathrooms: 4
      Primary bedroom
      • Level: First
      • Area: 126.56
      • Dimensions: 11.17 x 11.33
      Bedroom 2
      • Level: First
      • Area: 125.63
      • Dimensions: 11.17 x 11.25
      Bedroom 3
      • Level: First
      • Area: 130.31
      • Dimensions: 11.58 x 11.25
      Bedroom 4
      • Level: First
      • Length: 28.58
      Heating
      • Electric, Space Heater/Stove, Mini-Split
      Cooling
      • Ductless
      Appliances
      • Included: Dishwasher, Microwave, Electric Oven/Range, Refrigerator, Washer, Dryer, Electric Water Heater
      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
      • Flooring: Ceramic Tile
      • Doors: Doors-Insulated
      • Windows: Insulated Windows
      • Basement: None
      • Attic: None
      • Has fireplace: Yes
      • Fireplace features: Gas Log, Stone
      Interior area
      • Total structure area: 2,592
      • Total interior livable area: 2,592 sqft

      Property

      Parking
      • Parking features: No Garage, None-Carport
      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
      • Waterfront features: River Front
      Lot
      • Size: 10.92 Acres
      • Features: Allow RVs, Flood Plain, Level Yard, Pasture, Private, Rolling, Suitable for Horses, Unrestricted
      • Residential vegetation: Partially Wooded
      Details
      • Parcel number: 6499492547
      • Horses can be raised: Yes

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Raised Ranch
      • Property subtype: Residential
      Materials
      • Wood Siding, Board & Batten Siding
      • Foundation: Slab
      • Roof: Composition
      Condition
      • Year built: 2020

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Well, Private

      Community & HOA

      Location
      • Region: Otto

      Financial & listing details

      • Price per square foot: $362/sqft
      • Tax assessed value: $734,190
      • Annual tax amount: $2,608
      • Date on market: 7/27/2026
      • Listing terms: Cash,Conventional
      • Road surface type: Gravel

        Estimated market value

        $951,500

        $904,000 - $999,000

        $4,310/mo

        Price history

        DateEventPrice
        7/27/2026Price change$939,000-6%$362/sqft
        Source: Carolina Smokies MLS #26048023 Report a problem
        3/30/2026Price change$999,000-9.2%$385/sqft
        Source: Carolina Smokies MLS #26042865 Report a problem
        2/28/2026Listed for sale$1,100,000$424/sqft
        Source: Carolina Smokies MLS #26042865 Report a problem
        1/24/2026Listing removed$1,100,000$424/sqft
        Source: Carolina Smokies MLS #26042865 Report a problem
        12/11/2025Listed for sale$1,100,000+57.1%$424/sqft
        Source: Carolina Smokies MLS #26042865 Report a problem
        7/29/2022Sold$700,000+508.7%$270/sqft
        Source: HCMLS #97793 Report a problem
        10/1/2020Sold$115,000$44/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,609 $734,190
        2024$2,609 +5.4%$734,190 +5.2%
        2023$2,474 +13.1%$698,020 +67.8%
        2022$2,188 +35%$416,050 +37.5%
        2021$1,621 +79.1%$302,500 +48.1%
        2020$905 $204,200
        2019$905 +12.8%$204,200 +5.4%
        2018$802 $193,730
        2017$802 $193,730
        2016$802 $193,730
        2015$802 +0.9%$193,730 -23.3%
        2014$795 $252,450
        2013$795 $252,450
        Find assessor info on the county website

        Monthly payment

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        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: 28763

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