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.
For sale
Price cut: $101K (3/30)
$999,000
499 W Middle Creek Rd, Otto, NC 28763
4beds
2,592sqft
Residential
Built in 2020
10.92 Acres Lot
$943,200 Zestimate®
$385/sqft
$-- HOA
What's special
Large rec roomFlat fenced pastureThree horse stallsBold creek frontageHardwood floors throughoutRich tongue-and-groove paneling
- 104 days |
- 520 |
- 39 |
Zillow last checked:
Listing updated:
Listed by:
Marty Kimsey,
Re/Max Elite Realty
Source: Carolina Smokies MLS,MLS#: 26042865
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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
Video & virtual tour
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: $385/sqft
- Tax assessed value: $734,190
- Annual tax amount: $2,608
- Date on market: 2/28/2026
- Listing terms: Cash,Conventional
- Road surface type: Gravel
Estimated market value
$943,200
$896,000 - $990,000
$2,857/mo
Price history
| Date | Event | Price |
|---|---|---|
| 3/30/2026 | Price change | $999,000-9.2%$385/sqft |
Source: Carolina Smokies MLS #26042865 Report a problem | ||
| 2/28/2026 | Listed for sale | $1,100,000$424/sqft |
Source: Carolina Smokies MLS #26042865 Report a problem | ||
| 1/24/2026 | Listing removed | $1,100,000$424/sqft |
Source: Carolina Smokies MLS #26042865 Report a problem | ||
| 12/11/2025 | Listed for sale | $1,100,000+57.1%$424/sqft |
Source: Carolina Smokies MLS #26042865 Report a problem | ||
| 7/29/2022 | Sold | $700,000+508.7%$270/sqft |
Source: HCMLS #97793 Report a problem | ||
| 10/1/2020 | Sold | $115,000$44/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax 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 | $252,450 |
Find assessor info on the county website
Monthly payment
Est. payment$--/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: 28763
Getting around
0 / 100
Car-DependentNearby schools
GreatSchools rating
- 5/10South Macon ElementaryGrades: PK-4Distance: 5.3 mi
- 6/10Macon Middle SchoolGrades: 7-8Distance: 8.3 mi
- 6/10Macon Early College High SchoolGrades: 9-12Distance: 8.2 mi
A local agent can set up tours, give advice and negotiate with sellers.
- North Carolina
- Macon County
- Otto
- 28763
- 499 W Middle Creek Rd
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