About This Home

This 2-bedroom, 3-bathroom single family at 3020 Silver Creek Mountain Road in Morganton, NC is listed for $375,000 ($202 per sqft). Built in 2012, the home offers 1,854 sqft of living space on a 0.95 acres lot.

Key Features

  • Built in 2012
  • 0.95 acre lot

Property Details

1 story
2 full, 1 half
2012

Amenities

A/C
Listing Description

Mountain living meets opportunity in this thoughtfully maintained Silver Creek Community retreat. Whether you're seeking a full-time residence, a weekend escape, or an investment property, this home offers a rare combination of community amenities, comfortable living space, and versatility.

The main level is designed for easy mountain living, featuring an open flow between the living, dining, and kitchen areas, two bedrooms, a full bath, and seamless access to the expansive covered front porch and rear deck. Take in long-range mountain views while enjoying morning coffee surrounded by nature, spectacular sunsets, and the peaceful setting that draws so many to the South Mountains.

A standout feature of the home is the expansive heated and cooled lower level. Already finished with drywall walls, baseboards, a recreation room, additional rooms, a full bath, and durable finished concrete floors, this space offers endless possibilities.

Enjoy it immediately as a game room, bunk room, fitness area, workshop, hobby space, or additional gathering area, or easily elevate it further with LVP flooring and your own finishing touches. The foundation for additional living space is already in place.

Outdoor living is just as inviting, with a large covered front porch, rear deck, and lower covered patio creating multiple spaces to relax, entertain, and soak in the surrounding mountain scenery. For those who appreciate preparedness and self-sufficiency, the property also includes a backup water storage system designed to collect rainwater, with

the ability to pump water into the home during power outages or emergency situations-an uncommon and valuable feature for mountain living. Located within the desirable Silver Creek Community, owners enjoy access to a community pool, lodge, and common areas, while the POA maintains community roads and recreational facilities.

Community permits short-term rental use, offering opportunities for personal enjoyment, income potential, or a combination of both. An added bonus for those seeking even greater privacy or long-term potential: additional surrounding lots may be available for purchase separately, creating a unique opportunity to expand your footprint, preserve your privacy, protect your views, or establish a larger mountain retreat.

Perched high in the South Mountains, this property feels worlds away from the demands of everyday life while remaining within reach of Morganton, Marion, Lake James, South Mountains State Park, and countless outdoor recreation opportunities. The scenic drive home is part of the experience, rewarding you with the privacy, tranquility, and long-range mountain views that make mountain living so special.

Combining breathtaking scenery, community amenities, preparedness features, and exceptional potential, this is a unique mountain retreat ready to be enjoyed for years to come.

Monthly Cost Estimate

$2,056/mo

20% down · 6.5% · 30 years

Principal$271
Interest$1,625
Insurance$109
HOA$50

Estimates only. Actual payments may vary.

Location

3020 Silver Creek Mountain Road

Morganton, NC 28655

Silver Creek Springs

Property Details

Flooring

LaminateConcreteWood

Construction

Log

Pool Features

PorchDeck

Parking

DrivewayGarage - Attached

Heating

Central

Cooling

Central Air

Appliances

DishwasherElectric OvenMicrowaveRefrigerator

Questions & Answers

This 2-bedroom, 3-bathroom single family at 3020 Silver Creek Mountain Road is listed at $375,000 ($202/sqft). The estimated monthly payment is $2,055 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $50/month.

Key features include: Built in 2012, 0.95 acre lot.

This property is listed by Carly Conley and can be reached at 9193457239.

CC

Carly Conley

Agent at Keller Williams Professionals

(919) 345-7239

Listed by Keller Williams Professionals · View on Broker Site

MLS# 4394477· Source: listhub· 15 days on market

Copyright © 2026 Canopy MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

3020 Silver Creek Mountain Road, Morganton, NC 28655

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