Skip main navigation
For sale
    • Price cut: $49.9K (11/17)
    $649,999

    174 Upper Middle Creek Rd, Otto, NC 28763

    3beds
    --sqft
    : 
    Residential, Cabin
    Built in 1992
    4.05 Acres Lot
    $630,700 Zestimate®
    $--/sqft
    $-- HOA

    What's special

    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, stylish kitchen, and cozy lower-level family room. One of the standout features is the stunning deck that sits right on BOLD MIDDLE CREEK. This property delivers a true mountain sanctuary experience. Nestled at the end of a quiet road and bordered by US Forest Service land, the home sits in a peaceful, friendly and private mountain neighborhood. Whether you're unwinding with family or hosting guests, everyone will feel like they've discovered a hidden paradise. 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. Shed/storage Bldgs on property. Easy main level living.
    40 days
    |
    523
    |
    18
    |

    Zillow last checked: 8 hours ago

    Listing updated: November 17, 2025 at 07:58am

    Listed by:

    Nancy Van Bergen,

    Bald Head Realty

    Source: Carolina Smokies MLS,MLS#: 26042680

    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: 11/17/2025
    • Listing terms: Cash,Conventional,USDA Loan,FHA,VA Loan
    • Road surface type: Gravel
    Get pre-qualifiedBe ready to make an offer.
    Connect with an agentGet info on this home, tour, and more.
    Calculate monthly paymentSee if you can afford this home.

    Estimated market value

    $630,700

    $599,000 - $662,000

    $1,760/mo

    Price history

    Price history
    DateEventPrice
    11/17/2025Price change$649,999-7.1%
    Source: Carolina Smokies MLS #26042680 Report a problem
    10/21/2025Listed for sale$699,900+84.2%
    Source: Carolina Smokies MLS #26042473 Report a problem
    1/29/2019Sold$380,000-5%
    Source: Carolina Smokies MLS #26008506 Report a problem
    1/29/2019Listed for sale$399,900
    Source: RE/MAX Elite Realty #26008506 Report a problem
    1/15/2019Pending sale$399,900
    Source: RE/MAX Elite Realty #26008506 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax assessment
    2024$2,047 +0.6%$568,310
    2023$2,035 +4.7%$568,310 +54.8%
    2022$1,944 $367,190

    Find assessor info on the county website

    BuyAbility℠ payment

    Est. payment
    $3,533/mo
    Principal & interest
    $3073
    Property taxes
    $233
    Home insurance
    $227

      Climate risks

      Neighborhood: 28763

      Nearby schools

      GreatSchools rating

      Skip to the end of the carouselSkip to the beginning of the carousel

      Similar homes

      Skip to the end of the carouselSkip to the beginning of the carousel
      • Loading
      • Loading

      Nearby cities

      Nearby zip codes

      Other Otto Topics