Price Improvement – New Lower Price! On this truly ONE OF A KIND Mountain Retreat! This is a rare opportunity to own a property with an exceptional setting—there's simply nothing else like it on the market in WNC! The charming and spacious 3-bedroom, 2-bath cabin offers approx. 2,000 sq ft +/_ of rustic mountain appeal combined with modern comforts. You'll love the multiple stone fireplaces, soaring vaulted ceilings and cozy lower-level family room. This property delivers a true mountain sanctuary experience. Nestled at the end of a quiet road and bordered by US Forest Service land, the cabin sits in a peaceful, friendly and private mountain neighborhood. The cabin comes furnished with everything you see including the generator. Enjoy trout fishing, creek side recreation, bird watching or simply relaxing in this serene, park-like setting. Lite restrictions allow for parking of RV's if they are not permanent structures. Only household pets are allowed. Rentals allowed Shed/storage Bldgs on property. Easy main level living.
For sale
Price cut: $35K (2/26)
$615,000
174 Upper Middle Creek Rd, Otto, NC 28763
3beds
--sqft
Est.:
Residential, Cabin
Built in 1992
4.05 Acres Lot
$593,200 Zestimate®
$--/sqft
$-- HOA
What's special
- 1 day |
- 300 |
- 9 |
Likely to sell faster than
Zillow last checked: 8 hours ago
Listing updated: February 26, 2026 at 11:24am
Listed by:
Nancy Van Bergen,
Bald Head Realty
Source: Carolina Smokies MLS,MLS#: 26045429
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Level: First
Bedroom 2
- Level: First
Bedroom 3
- Level: Basement
Heating
- Electric, Forced Air, Baseboard, Heat Pump, Other
Cooling
- Central Electric
Appliances
- Included: Dishwasher, Freezer, Microwave, Gas Oven/Range, Refrigerator, Washer, Dryer, Electric Water Heater
Features
- Bonus Room, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Ceramic Tile Bath, Main Level Living, Primary on Main Level, Open Floorplan
- Flooring: Carpet, Vinyl, Some Hardwoods, Ceramic Tile, Laminate
- Windows: Screens
- Basement: Full,Partitioned,Finished,Heated,Daylight,Recreation/Game Room,Exterior Entry,Interior Entry,Washer/Dryer Hook-up,Finished Bath
- Attic: Storage Only
- Has fireplace: Yes
- Fireplace features: Gas Log, Stone, Insert, Basement
Interior area
- Living area range: 1801-2000 Square Feet
Property
Parking
- Parking features: Garage-Double Detached
- Garage spaces: 2
Features
- Patio & porch: Deck, Porch
- Exterior features: Rustic Appearance
- Has view: Yes
- View description: Short Range View, View Year Round, Water
- Has water view: Yes
- Water view: Water
- Waterfront features: River Front, Stream/Creek
Lot
- Size: 4.05 Acres
- Features: Adjoins USFS, Allow RVs, Level, Level Yard, Open Lot, Private, Rolling
- Residential vegetation: Partially Wooded
Details
- Additional structures: Outbuilding/Workshop, Storage Building/Shed
- Parcel number: 6499710806
- Other equipment: Satellite Dish
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Log,Cabin
- Property subtype: Residential, Cabin
Materials
- Log
- Foundation: Slab
- Roof: Metal
Condition
- Year built: 1992
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
- Utilities for property: Cell Service Available
Community & HOA
Community
- Subdivision: Upper Middle Creek Rd
Location
- Region: Otto
Financial & listing details
- Tax assessed value: $568,310
- Annual tax amount: $2,046
- Date on market: 2/26/2026
- Listing terms: Cash,Conventional,USDA Loan,FHA,VA Loan
- Road surface type: Gravel
Estimated market value
$593,200
$564,000 - $623,000
$1,587/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/26/2026 | Price change | $615,000-5.4% |
Source: Carolina Smokies MLS #26045429 Report a problem | ||
| 11/17/2025 | Price change | $649,999-7.1% |
Source: Carolina Smokies MLS #26042680 Report a problem | ||
| 10/21/2025 | Listed for sale | $699,900+84.2% |
Source: Carolina Smokies MLS #26042473 Report a problem | ||
| 1/29/2019 | Sold | $380,000-5% |
Source: Carolina Smokies MLS #26008506 Report a problem | ||
| 1/29/2019 | Listed for sale | $399,900 |
Source: RE/MAX Elite Realty #26008506 Report a problem | ||
| 1/15/2019 | Pending sale | $399,900 |
Source: RE/MAX Elite Realty #26008506 Report a problem | ||
| 5/17/2018 | Listed for sale | $399,900 |
Source: RE/MAX Elite Realty #26008506 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,047 | $568,310 |
| 2024 | $2,047 +0.6% | $568,310 |
| 2023 | $2,035 +4.7% | $568,310 +54.8% |
| 2022 | $1,944 | $367,190 |
| 2021 | $1,944 +12% | $367,190 |
| 2020 | $1,735 +0.8% | $367,190 |
| 2019 | $1,722 | $367,190 +45.7% |
| 2018 | $1,722 | $251,980 |
| 2017 | -- | $251,980 |
| 2016 | -- | $251,980 |
| 2015 | $1,138 +2.9% | $251,980 -45.2% |
| 2014 | $1,106 | $459,410 |
| 2013 | $1,106 | $459,410 |
| 2012 | -- | $459,410 |
| 2011 | -- | $459,410 |
| 2010 | -- | $459,410 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,062/mo
Principal & interest
$2842
Property taxes
$220
Climate risks
Neighborhood: 28763
Getting around
0 / 100
Car-DependentNearby schools
GreatSchools rating
- 6/10Highlands SchoolGrades: K-12Distance: 9 mi
- 6/10Macon Middle SchoolGrades: 7-8Distance: 9.6 mi
- 6/10Macon Early College High SchoolGrades: 9-12Distance: 9.6 mi
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