# 499 W Middle Creek, Otto, NC 28763 > **TL;DR:** 4bd/6ba single family, $849,000 ($328/sqft), built 2020, 2,592 sqft. > Fireplace, Waterfront, View, A/C. Est. $4,541/mo. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $849,000 | | Price/sqft | $328 | | 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 | Active | | Days on Market | 0 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,293 | | Estimated Insurance | $248 | | **Total** | **$4,541** | ## 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 ## Virtual Tour & Media - **Video Tour:** tour.usamls.net/499-W-Middle-Creek-Otto-NC-28763/unbranded ## Listing Agent - **Name:** Marty Kimsey - **Brokerage:** REMAX ELITE REALTY - **Broker Phone:** (828) 349-4600 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/499-W-Middle-Creek-Rd_Otto_NC_28763_M60173-75306?f=listhub&s=FBRNC&m=26048023&c=propsimple) ## Photos ![499 W Middle Creek - Photo 1](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f2716217337r.jpg) ![499 W Middle Creek - Photo 2](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f2716217337r.jpg) ![499 W Middle Creek - Photo 3](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f3614500117r.jpg) ![499 W Middle Creek - 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Photo 64](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f422756399r.jpg) ![499 W Middle Creek - Photo 65](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f2567351091r.jpg) ![499 W Middle Creek - Photo 66](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f3055396382r.jpg) ![499 W Middle Creek - Photo 67](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f3528100405r.jpg) ![499 W Middle Creek - Photo 68](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f1568947486r.jpg) ![499 W Middle Creek - Photo 69](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f1991161377r.jpg) ![499 W Middle Creek - Photo 70](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f1716929849r.jpg) ![499 W Middle Creek - Photo 71](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f4193627577r.jpg) ![499 W Middle Creek - Photo 72](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f4291103370r.jpg) ![499 W Middle Creek - Photo 73](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f1319862533r.jpg) ![499 W Middle Creek - Photo 74](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f2673697114r.jpg) ![499 W Middle Creek - Photo 75](http://lh.rdcpix.com/05c3b9813fbe48c5a23b81cd873b3751l-f2589707918r.jpg) --- **MLS#:** 26048023 | **Updated:** 2026-10-25 **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/499-w-middle-creek-otto-nc-28763-2a79dc9db2a944e6bb8976219f722e89) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/499-w-middle-creek-otto-nc-28763-2a79dc9db2a944e6bb8976219f722e89#listing", "url": "https://www.propertysimple.ai/listing/499-w-middle-creek-otto-nc-28763-2a79dc9db2a944e6bb8976219f722e89", "name": "499 W Middle Creek, Otto, NC 28763", "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. 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