# 412 Holley Mountain Top Rd, Whittier, NC 28789 > **TL;DR:** 3bd/2ba single family, $449,000 ($247/sqft), built 2000, 1,820 sqft. > Fireplace, A/C. Est. $2,976/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $449,000 | | Price/sqft | $247 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,820 | | Year Built | 2000 | | Lot Size | 44,518 sqft (1.02 acres) | | Stories | 2 | | Property Type | Single Family (Other) | | Status | Pending | | Days on Market | 0 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,270 | | Estimated Insurance | $131 | | HOA | $575 | | **Total** | **$2,976** | ## Key Amenities - Fireplace - A/C ## Property Highlights - Built in 2000 - 1.02 acre lot - 2 stories - Fireplace ## Description ### Agent 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. ## Location - **Address:** 412 Holley Mountain Top Rd, Whittier, NC 28789 - **County:** Swain - **Neighborhood:** Ocona Estates - **Coordinates:** 35.4523909, -83.3702262 - **Google Maps:** https://www.google.com/maps?q=35.4523909,-83.3702262 ## Virtual Tour & Media - **Video Tour:** youtu.be/xdpPNHPuCH0 ## Listing Agent - **Name:** Brian Whitener - **Brokerage:** Smoky Mountain Life, LLC DBA Smoky Mountain Stays - **Broker Phone:** 8284551909 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/412-Holley-Mountain-Top-Rd_Whittier_NC_28789_M60649-02161?f=listhub&s=FBRNC&m=26041202&c=propsimple) ## Photos ![412 Holley Mountain Top Rd - Photo 1](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f863083136r.jpg) ![412 Holley Mountain Top Rd - Photo 2](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4217551037r.jpg) ![412 Holley Mountain Top Rd - Photo 3](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4025868884r.jpg) ![412 Holley Mountain Top Rd - Photo 4](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3771451181r.jpg) ![412 Holley Mountain Top Rd - Photo 5](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2608754101r.jpg) ![412 Holley Mountain Top Rd - Photo 6](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3269375014r.jpg) ![412 Holley Mountain Top Rd - Photo 7](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2838430985r.jpg) ![412 Holley Mountain Top Rd - Photo 8](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3229044309r.jpg) ![412 Holley Mountain Top Rd - Photo 9](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f927101059r.jpg) ![412 Holley Mountain Top Rd - Photo 10](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f156981913r.jpg) ![412 Holley Mountain Top Rd - Photo 11](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f904883560r.jpg) ![412 Holley Mountain Top Rd - Photo 12](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f492851953r.jpg) ![412 Holley Mountain Top Rd - Photo 13](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1067651037r.jpg) ![412 Holley Mountain Top Rd - Photo 14](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4037860772r.jpg) ![412 Holley Mountain Top Rd - Photo 15](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f954981364r.jpg) ![412 Holley Mountain Top Rd - Photo 16](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2568472563r.jpg) ![412 Holley Mountain Top Rd - Photo 17](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2124741503r.jpg) ![412 Holley Mountain Top Rd - Photo 18](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2394072299r.jpg) ![412 Holley Mountain Top Rd - Photo 19](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2443604934r.jpg) ![412 Holley Mountain Top Rd - Photo 20](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3924918756r.jpg) ![412 Holley Mountain Top Rd - Photo 21](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2818579340r.jpg) ![412 Holley Mountain Top Rd - Photo 22](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2121241192r.jpg) ![412 Holley Mountain Top Rd - Photo 23](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2600855789r.jpg) ![412 Holley Mountain Top Rd - Photo 24](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2833233735r.jpg) ![412 Holley Mountain Top Rd - Photo 25](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1527518852r.jpg) ![412 Holley Mountain Top Rd - Photo 26](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4012356382r.jpg) ![412 Holley Mountain Top Rd - Photo 27](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1058882738r.jpg) ![412 Holley Mountain Top Rd - Photo 28](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3487181736r.jpg) ![412 Holley Mountain Top Rd - Photo 29](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3736123333r.jpg) ![412 Holley Mountain Top Rd - Photo 30](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1642932805r.jpg) ![412 Holley Mountain Top Rd - Photo 31](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2383178190r.jpg) ![412 Holley Mountain Top Rd - Photo 32](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1604343025r.jpg) ![412 Holley Mountain Top Rd - Photo 33](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2117536041r.jpg) ![412 Holley Mountain Top Rd - Photo 34](http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1161670445r.jpg) --- **MLS#:** 26041202 | **Updated:** 2026-10-29 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf#listing", "url": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf", "name": "412 Holley Mountain Top Rd, Whittier, NC 28789", "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.", "image": [ "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f863083136r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4217551037r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4025868884r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3771451181r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2608754101r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3269375014r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2838430985r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3229044309r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f927101059r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f156981913r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f904883560r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f492851953r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1067651037r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4037860772r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f954981364r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2568472563r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2124741503r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2394072299r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2443604934r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3924918756r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2818579340r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2121241192r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2600855789r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2833233735r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1527518852r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4012356382r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1058882738r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3487181736r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3736123333r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1642932805r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2383178190r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1604343025r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2117536041r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1161670445r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f863083136r.jpg", "caption": "412 Holley Mountain Top Rd - Whittier, NC" }, "datePosted": "2026-10-29T10:53:07.103Z", "dateModified": "2026-10-29T10:53:07.103Z", "mainEntity": { "@type": "Accommodation", "@id": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf#property", "name": "412 Holley Mountain Top Rd, Whittier, NC 28789", "address": { "@type": "PostalAddress", "streetAddress": "412 Holley Mountain Top Rd", "addressLocality": "Whittier", "addressRegion": "NC", "postalCode": "28789", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 35.4523909, "longitude": -83.3702262 }, "image": [ "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f863083136r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4217551037r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4025868884r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3771451181r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2608754101r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3269375014r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2838430985r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3229044309r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f927101059r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f156981913r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f904883560r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f492851953r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1067651037r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4037860772r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f954981364r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2568472563r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2124741503r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2394072299r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2443604934r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3924918756r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2818579340r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2121241192r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2600855789r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2833233735r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1527518852r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f4012356382r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1058882738r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3487181736r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f3736123333r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1642932805r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2383178190r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1604343025r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f2117536041r.jpg", "http://lh.rdcpix.com/1459c4ac1287b70e109f6a1fb6ee9446l-f1161670445r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "26041202" }, "accommodationCategory": "Other", "numberOfBedrooms": 3, "numberOfBathroomsTotal": 2, "numberOfFullBathrooms": 2, "floorSize": { "@type": "QuantitativeValue", "value": 1820, "unitCode": "FTK", "unitText": "square feet" }, "yearBuilt": 2000, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Heating", "value": "Electric (Heating)" }, { "@type": "LocationFeatureSpecification", "name": "Cooling", "value": "Heat Pump" }, { "@type": "LocationFeatureSpecification", "name": "Appliances", "value": "Electric Water Heater, Dishwasher, Disposal, Microwave, Electric Oven/Range, Refrigerator, Washer, Dryer" }, { "@type": "LocationFeatureSpecification", "name": "Flooring", "value": "Carpet, Combination, Vinyl" }, { "@type": "LocationFeatureSpecification", "name": "Construction Materials", "value": "Log, Wood Siding" }, { "@type": "LocationFeatureSpecification", "name": "Pool Features", "value": "Porch, Deck" }, { "@type": "LocationFeatureSpecification", "name": "Parking Features", "value": "None" }, { "@type": "LocationFeatureSpecification", "name": "Fireplace", "value": true }, { "@type": "LocationFeatureSpecification", "name": "Air Conditioning", "value": true } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "1.02 acres" }, { "@type": "PropertyValue", "name": "Stories", "value": 2 }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Other" } ] }, "offers": { "@type": "Offer", "@id": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf#offer", "url": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf", "price": 449000, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/LimitedAvailability", "seller": { "@id": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf#agent" } }, "provider": { "@type": "Person", "@id": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf#agent", "name": "Brian Whitener", "worksFor": { "@type": "Organization", "@id": "https://www.propertysimple.ai/listing/412-holley-mountain-top-rd-whittier-nc-28789-93c5c0d6d20c4b85a547743bbb3265bf#brokerage", "name": "Smoky Mountain Life, LLC DBA Smoky Mountain Stays", "telephone": "8284551909" } } } ```