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For sale
    • Price cut: $35K (2/26)
    $615,000

    174 Upper Middle Creek Rd, Otto, NC 28763

    2beds
    --sqft
    : 
    Residential, Cabin
    Built in 1992
    4.05 Acres Lot
    $584,400 Zestimate®
    $--/sqft
    $-- HOA

    What's special

    Price Improvement – New Lower Price! On this truly ONE OF A KIND Mountain Retreat! This is a rare opportunity to own a property with an exceptional setting—there's simply nothing else like it on the market in WNC! The charming and spacious 3-bedroom, 2-bath cabin offers approx. 2,000 sq ft +/_ of rustic mountain appeal combined with modern comforts. You'll love the multiple stone fireplaces, soaring vaulted ceilings and cozy lower-level family room. This property delivers a true mountain sanctuary experience. Nestled at the end of a quiet road and bordered by US Forest Service land, the cabin sits in a peaceful, friendly and private mountain neighborhood. The cabin comes furnished with everything you see including the generator. Enjoy trout fishing, creek side recreation, bird watching or simply relaxing in this serene, park-like setting. Lite restrictions allow for parking of RV's if they are not permanent structures. Only household pets are allowed. Rentals allowed Shed/storage Bldgs on property. Easy main level living.
    21 days
    |
    1,695
    |
    94
    |

    Zillow last checked: 7 hours ago

    Listing updated: March 19, 2026 at 07:59am

    Listed by:

    Nancy Van Bergen,

    Bald Head Realty

    Source: Carolina Smokies MLS,MLS#: 26045429

    Tour with a local agent

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Primary bedroom
      • Level: First
      Bedroom 2
      • Level: First
      Bedroom 3
      • Level: Basement
      Heating
      • Electric, Forced Air, Baseboard, Heat Pump, Other
      Cooling
      • Central Electric
      Appliances
      • Included: Dishwasher, Freezer, Microwave, Gas Oven/Range, Refrigerator, Washer, Dryer, Electric Water Heater
      Features
      • Bonus Room, Cathedral/Vaulted Ceiling, Ceiling Fan(s), Ceramic Tile Bath, Main Level Living, Primary on Main Level, Open Floorplan
      • Flooring: Carpet, Vinyl, Some Hardwoods, Ceramic Tile, Laminate
      • Windows: Screens
      • Basement: Full,Partitioned,Finished,Heated,Daylight,Recreation/Game Room,Exterior Entry,Interior Entry,Washer/Dryer Hook-up,Finished Bath
      • Attic: Storage Only
      • Has fireplace: Yes
      • Fireplace features: Gas Log, Stone, Insert, Basement
      Interior area
      • Living area range: 1801-2000 Square Feet
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      Property

      Parking
      • Parking features: Garage-Double Detached
      • Garage spaces: 2
      Features
      • Patio & porch: Deck, Porch
      • Exterior features: Rustic Appearance
      • Has view: Yes
      • View description: Short Range View, View Year Round, Water
      • Has water view: Yes
      • Water view: Water
      • Waterfront features: River Front, Stream/Creek
      Lot
      • Size: 4.05 Acres
      • Features: Adjoins USFS, Allow RVs, Level, Level Yard, Open Lot, Private, Rolling
      • Residential vegetation: Partially Wooded
      Details
      • Additional structures: Outbuilding/Workshop, Storage Building/Shed
      • Parcel number: 6499710806
      • Other equipment: Satellite Dish

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Log,Cabin
      • Property subtype: Residential, Cabin
      Materials
      • Log
      • Foundation: Slab
      • Roof: Metal
      Condition
      • Year built: 1992

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Well
      • Utilities for property: Cell Service Available

      Community & HOA

      Community
      • Subdivision: Upper Middle Creek Rd
      Location
      • Region: Otto

      Financial & listing details

      • Tax assessed value: $568,310
      • Annual tax amount: $2,046
      • Date on market: 2/26/2026
      • Listing terms: Cash,Conventional,USDA Loan,FHA,VA Loan
      • Road surface type: Gravel
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        Estimated market value

        $584,400

        $555,000 - $614,000

        $1,651/mo

        Price history

        Price history
        DateEventPrice
        2/26/2026Price change$615,000-5.4%
        Source: Carolina Smokies MLS #26045429 Report a problem
        11/17/2025Price change$649,999-7.1%
        Source: Carolina Smokies MLS #26042680 Report a problem
        10/21/2025Listed for sale$699,900+84.2%
        Source: Carolina Smokies MLS #26042473 Report a problem
        1/29/2019Sold$380,000-5%
        Source: Carolina Smokies MLS #26008506 Report a problem
        1/29/2019Listed for sale$399,900
        Source: RE/MAX Elite Realty #26008506 Report a problem
        1/15/2019Pending sale$399,900
        Source: RE/MAX Elite Realty #26008506 Report a problem
        5/17/2018Listed for sale$399,900
        Source: RE/MAX Elite Realty #26008506 Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2025$2,047 $568,310
        2024$2,047 +0.6%$568,310
        2023$2,035 +4.7%$568,310 +54.8%
        2022$1,944 $367,190
        2021$1,944 +12%$367,190
        2020$1,735 +0.8%$367,190
        2019$1,722 $367,190 +45.7%
        2018$1,722 $251,980
        2017-- $251,980
        2016-- $251,980
        2015$1,138 +2.9%$251,980 -45.2%
        2014$1,106 $459,410
        2013$1,106 $459,410
        2012-- $459,410
        2011-- $459,410
        2010-- $459,410

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $3,203/mo
        Principal & interest
        $2983
        Property taxes
        $220
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