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
$1,100,000
499 W Middle Creek Rd, Otto, NC 28763
4beds
2,592sqft
Est.:
Residential
Built in 2020
10.92 Acres Lot
$1,045,900 Zestimate®
$424/sqft
$-- HOA
What's special
Large rec roomFlat fenced pastureThree horse stallsBold creek frontageHardwood floors throughoutRich tongue-and-groove paneling
- 2 days |
- 520 |
- 31 |
Zillow last checked: 8 hours ago
Listing updated: February 28, 2026 at 06:29am
Listed by:
Marty Kimsey,
Re/Max Elite Realty
Source: Carolina Smokies MLS,MLS#: 26042865
Tour with a local agent
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: $424/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
$1,045,900
$994,000 - $1.10M
$2,418/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 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
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
BuyAbility℠ payment
Est. payment
$5,632/mo
Principal & interest
$5238
Property taxes
$394
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
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