Spruce Pine · Spruce Pine, NC
644 Valley Road
Spruce Pine, NC · 1,050 sqft
$244,900
- 3Beds
- 1Baths
- 1,050SqFt
- 1979Year
- 1Days on market
About this home
Nestled in a peaceful mountain setting between downtown Spruce Pine and Grassy Creek, this charming 3-bedroom, 1-bath home offers the perfect blend of comfort, convenience, and privacy. Move-in ready and thoughtfully updated, the property features a new roof installed in 2022, new flooring, publicly maintained roads, and the added benefit of being located within city limits. Enjoy the warmth of a friendly, welcoming neighborhood while being just minutes from local dining, shopping, and everyday conveniences. Less than 5 minutes from downtown Spruce Pine, 30 minutes from Marion, and only 1 hour from Asheville, this home provides a quiet retreat without sacrificing easy access to work, recreation, and entertainment. Whether you're looking to put down roots or simply enjoy mountain living, this property is ready to welcome you home.
Property details
- Beds
- 3
- Baths
- 1
- SqFt
- 1,050
- Lot
- —
- Year built
- 1979
- Type
- Single Family
- Days on market
- 1
- Garage
- 1
- Heating
- Baseboard
- Cooling
- Window Unit(s)
- Foundation
- Basement
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$1,802/ month
- Principal & interest
- $1,516
- Property tax (~1.05%)
- $214
- Homeowners insurance
- $71
- HOA dues
- —
Down payment
$12,245 down · $232,655 financed
Income to qualify (28% rule)
~$77,248 / 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.