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John KurtzNational Real Estate

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Waynesville · Waynesville, NC

45 Ginger Lane

Waynesville, NC · 1,587 sqft

$459,000

  • 2Beds
  • 2Baths
  • 1,587SqFt
  • 2004Year
  • 1Days on market

About this home

Back on the market with improvements! Welcome to 45 Ginger Lane, a well-maintained mountain cabin offering comfort, flexibility, and a peaceful Smoky Mountain setting. This 2-bedroom, 2-bath home also features a spacious loft currently used as a third sleeping area, providing extra room for guests or larger groups. Outdoor spaces are set up for easy enjoyment, with a covered front porch, a fenced yard, and a dedicated firepit area. The back deck offers plenty of space for gatherings or relaxing in the fresh mountain air. Recent exterior updates include a newly constructed retaining wall behind the home as well as rechinking and sealing of the wood siding, helping preserve both structure and appearance. Inside, the home features an inviting living area with updated lighting, ceiling fans, and a fireplace that anchors the space. A large bonus room adds flexibility for a game room, media space, or additional sleeping options. The finished garage expands usable space year-round, complete with insulation, a mini-split system, and durable concrete flooring—ideal for a workshop, studio, or additional hangout area. The gravel driveway has been recently improved for better access, and furnishings are available for purchase if desired, making this a strong option for a move-in-ready setup. Whether you’re searching for a weekend getaway or a full-time mountain home, 45 Ginger Lane offers a practical layout, recent updates, and a quiet setting to enjoy.

Property details

Beds
2
Baths
2
SqFt
1,587
Lot
Year built
2004
Type
Single Family
Days on market
1
Garage
1
Style
Cabin
Heating
Heat Pump
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Tile, Wood
HOA dues
$200 / qtr

Features

  • Breakfast Bar
  • Fire Pit
  • Hot Tub

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$3,444/ month

Principal & interest
$2,842
Property tax (~1.05%)
$401
Homeowners insurance
$133
HOA dues
$66

Down payment

$22,950 down · $436,050 financed

Income to qualify (28% rule)

~$147,638 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.