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$495,000

Listing Price

2beds

2baths

1,709sqft

25,700sqft lot

284 Valley Creek Ln, Banner Elk, NC 28604

Member Features

Find Real Estate Bargain!

  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

Already a member?

For Sale

Off Market

Single Family

Home type

247.19

Price / sqft

1977

Year built

Home Details

Escape to a serene, fully furnished mountain retreat nestled in the heart of the High Country. This charming home offers a perfect blend of rusticity and functionality, set against the backdrop of the majestic Grandfather Mountain and the soothing melody of a nearby creek. Step inside to discover a warm and inviting interior adorned with natural wood finishes and large windows that frame views of Grandfather Mountain. The open floor plan seamlessly connects the living and kitchen areas, creating an ideal space for both relaxation and entertaining. Cozy up by the wood-burning stove in the den on chilly evenings or gather around the kitchen island to prepare delicious meals with family and friends. The bedrooms are located on the second floor and each have their own highlights. The primary bedroom is spacious and has a private deck overlooking the creek. A quaint shed provides convenient storage for outdoor gear, ensuring everything you need for adventure is close at hand. Take the stepping stones down to the creek where you can unwind by the water and watch nature at it's best. Or gather some firewood and hangout around the fire pit area under the stars for cozy evenings and memorable conversations. Whether you're seeking a cozy winter retreat, a vibrant summer getaway, or a full time home this mountain property caters to every season.

Interior Details

Square Feet
  • 1709

Bedrooms
  • 2

Bathrooms
  • 2

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Central

Cooling
  • Has Cooling:

    Yes

  • Cooling Type:

    Central

Fuel
  • Has Fuel:

    Yes

  • Fuel Type:

    Electric

Basement
  • Has Basement:

    No

  • Basement Type:

    Partial

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    N/A

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 25700

Water
  • Yes

Sewer
  • No

Parking
  • Type:

    Garage, Basement

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    1

Deck
  • N/A

Patio
  • N/A

Fence
  • N/A

Pool
  • N/A

Porch
  • N/A

Stoop
  • N/A

Breezeway
  • N/A

Construction Details

Number of Stories
  • 1

Style
  • Conventional

Exterior
  • Wood

Foundation
  • N/A

Roof
  • N/A

Roofing Material
  • Asphalt

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$694

$29,300

$106,300

--%

$135,600

2019

$694

$29,300

$106,300

--%

$135,600

2017

$626

$29,300

$106,300

--%

$135,600

2017

$626

$29,300

$106,300

--%

$135,600

2015

$572

$29,300

$106,300

--%

$135,600

2013

$568

$29,300

$106,300

--%

$135,600

2013

$568

$29,300

$103,400

--%

$132,700

2011

$568

$29,300

$103,400

--%

$132,700

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Average Home Price in 28604

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$625,669

2 Beds

1.5 Baths

1,481 Sqft

55,321 Lot (sqft)

Sold 09/03/2026

$625,000

3 Beds

2 Baths

1,562 Sqft

27,443 Lot (sqft)

Sold 09/29/2026

$495,000

2 Beds

2 Baths

1,709 Sqft

25,700 Lot (sqft)

Sold 09/29/2026

$499,900

4 Beds

2 Baths

1,536 Sqft

80,150 Lot (sqft)

Sold 09/29/2026

percent-home-icon

Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
495,000
$
Down payment
99,000
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
2,970
$
HOA (Monthly)
0
$
PMI
0
$
$3,204
Your Payment
Total Monthly Payment:$3,204
Percent of Income:55%
Affordable:No

Details for 284 VALLEY CREEK LN

Property Debt

Foreclosure Contact Details