About This Home

This 3-bedroom, 2-bathroom single family at 412 Holley Mountain Top Rd in Whittier, NC is listed for $449,000 ($247 per sqft). Built in 2000, the home offers 1,820 sqft of living space on a 1.02 acres lot.

Key Features

  • Built in 2000
  • 1.02 acre lot
  • 2 stories
  • Fireplace

Property Details

2 stories
2 full
2000

Amenities

FireplaceA/C
Listing Description

Investment Opportunity. Mountain-Top Cabin Retreat with Spectacular Smoky Mountain Views. This 1,800 sq ft, 3-bed, 2-bath cabin with multiple bonus rooms is located in Ocona Lake Estates blends rustic charm with modern updates. The main level's open layout features a simple kitchen, living and dining area that flows to a newly renovated deck where you can soak up the mountain vistas.

The materials are a mix of wood and drywall finishes. Main level: efficient kitchen, living room, dining area, full bath, bedroom. Upper level: two bedrooms with private balconies, full bath. Basement features multiple bonus rooms and pool and game room.

New deck boards and railings, fresh paint inside and out. Gravel parking plus overflow space. Perched on a private 1.022-acre ridge with minimal maintenance, this cabin is just 5 miles from both Bryson City and Cherokee's shops, restaurants and outdoor adventures.

Enjoy privacy at the top of a maintained gravel road and low HOA dues covering water and road upkeep. Generated an average of $66,000/year in rental income for past 7 years-ideal for an investment property. Don't miss this mountain-top gem. Schedule your showing today! Owner is Broker.

Monthly Cost Estimate

$2,976/mo

20% down · 6.5% · 30 years

Principal$325
Interest$1,946
Insurance$131
HOA$575

Estimates only. Actual payments may vary.

Location

412 Holley Mountain Top Rd

Whittier, NC 28789

Ocona Estates

Features & Amenities

Interior Features

Bonus RoomCeiling Fan(s)Kitchen/Dining RoomMain Level LivingPrimary on Main LevelOpen FloorplanRec/Game Room

Exterior Features

Rustic Appearance

Property Details

Flooring

CarpetCombinationVinyl

Construction

Log Wood Siding

Outdoor Features

PorchDeck

Parking

None

Heating

Electric (Heating)

Cooling

Heat Pump

Appliances

Electric Water HeaterDishwasherDisposalMicrowaveElectric Oven/RangeRefrigeratorWasherDryer

Questions & Answers

This 3-bedroom, 2-bathroom single family at 412 Holley Mountain Top Rd is listed at $449,000 ($247/sqft). The estimated monthly payment is $2,976 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $575/month.

Key features include: Built in 2000, 1.02 acre lot, 2 stories, Fireplace. Interior Features: Bonus Room, Ceiling Fan(s), Kitchen/Dining Room. Exterior Features: Rustic Appearance.

This property is listed by Brian Whitener.

BW

Brian Whitener

Agent at Smoky Mountain Life, LLC DBA Smoky Mountain Stays

Listed by Smoky Mountain Life, LLC DBA Smoky Mountain Stays · Broker phone: 8284551909 · View on Broker Site

MLS# 26041202· Source: Carolina Smokies Association of Realtors· 1 day on PropertySimple

Copyright © 2026 Carolina Smokies Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

412 Holley Mountain Top Rd, Whittier, NC 28789

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