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About This Home

This 4-bedroom, 6-bathroom single family at 499 W Middle Creek in Otto, NC is listed for $999,000 ($385 per sqft). Built in 2020, the home offers 2,592 sqft of living space on a 10.92 acres lot.

Agent Description

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.

Key Features

  • Built in 2020
  • 10.92 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
5 full, 1 half
2020

Amenities

FireplaceWaterfrontViewA/C

Monthly Cost Estimate

$5,343/mo

20% down · 6.5% · 30 years

Principal$722
Interest$4,329
Insurance$291

Estimates only. Actual payments may vary.

Location

499 W Middle Creek

Otto, NC 28763

Features & Amenities

Interior Features

Cathedral/Vaulted CeilingCeiling Fan(s)Ceramic Tile BathKitchen/Dining RoomKitchen/FR ComboLiving/Dining RoomMain Level LivingPrimary w/EnsuitePrimary on Main LevelOpen FloorplanRec/Game Room

Property Details

Flooring

EngineeredTile - Ceramic

Construction

Wood Siding Board & Batten Siding

Views

Water

Pool Features

DeckPorch

Parking

CarportGarage

Heating

Space HeaterElectric (Heating)

Cooling

Ductless

Appliances

Electric Water HeaterDishwasherMicrowaveElectric Oven/RangeRefrigeratorWasherDryer

Questions & Answers

This 4-bedroom, 6-bathroom single family at 499 W Middle Creek is listed at $999,000 ($385/sqft). The estimated monthly payment is $4,329 based on 20% down at 6.5% interest.

Key features include: Built in 2020, 10.92 acre lot, 2 stories, Fireplace, Waterfront. Interior Features: Cathedral/Vaulted Ceiling, Ceiling Fan(s), Ceramic Tile Bath.

This property is listed by Marty Kimsey and can be reached at 8284213369 or marty@KimseyCompany.com.

MK

Marty Kimsey

Agent at RE/MAX Elite Realty

(828) 421-3369

Listed by RE/MAX Elite Realty · View on Broker Site

MLS# 26042865· Source: listhub· Updated today

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.

499 W Middle Creek, Otto, NC 28763

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