# 499 W Middle Creek, Otto, NC 28763

> **TL;DR:** 4bd/6ba single family, $999,000 ($385/sqft), built 2020, 2,592 sqft.
> Fireplace, Waterfront, View, A/C. Est. $4,329/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $999,000 |
| Price/sqft | $385 |
| Bedrooms | 4 |
| Bathrooms | 5 full, 1 half |
| Square Feet | 2,592 |
| Year Built | 2020 |
| Lot Size | 475,675 sqft (10.92 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 0 |

## Why This Home Stands Out

- **Waterfront** - Direct water access
- **Views** - Water

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $4,329 |
| **Total** | **$4,329** |

## Key Amenities

- Fireplace
- Waterfront
- View
- A/C

## Property Highlights

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

## Description

### 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.

## Location

- **Address:** 499 W Middle Creek, Otto, NC 28763
- **County:** Macon
- **Coordinates:** 35.0428899, -83.3648702
- **Google Maps:** https://www.google.com/maps?q=35.0428899,-83.3648702

## Listing Agent

- **Name:** Marty Kimsey
- **Brokerage:** RE/MAX Elite Realty
- **Phone:** 8284213369
- **Email:** marty@KimseyCompany.com

## Primary Photo

![499 W Middle Creek - Primary Photo](http://lh.rdcpix.com/2a9d48fe7ad80d4a19ab02720d31540el-f2966912825r.jpg)

*91 total photos available on [listing page](https://www.propertysimple.com/listing/499-w-middle-creek-otto-nc-28763-26042865)*

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**MLS#:** 26042865 | **Updated:** 2026-06-18
**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.com/listing/499-w-middle-creek-otto-nc-28763-26042865)

---

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