A Fully Furnished Mountain Retreat in Murphy, North Carolina

Mountain properties that combine scenic views, generous living space, turnkey furnishings, and potential income opportunities can be especially attractive to buyers searching for a second home or investment property in Western North Carolina. This cabin-style residence in Murphy offers that combination with approximately 1,802 square feet of living space, two bedrooms, two full bathrooms, a finished full basement, a wrap-around covered porch, and year-round mountain views.

Priced at $314,800 after a recent $5,000 price reduction, the home sits on approximately 0.55 acres in the Martins Creek area. Built in 2007, the property provides the character and atmosphere associated with mountain living while offering practical features that can support either full-time occupancy or recreational use.

The home is being offered fully furnished, which makes the property particularly interesting for buyers who want a relatively turnkey opportunity. Instead of beginning with an empty house and purchasing furniture, appliances, and other basic items separately, a buyer can potentially step into an established mountain-home environment from the beginning, subject to confirmation of exactly what conveys with the sale.

The combination of mountain scenery, a spacious floor plan, a finished basement, fiber-optic availability, a fireplace, outdoor living space, and proximity to Murphy’s shopping, dining, and recreation gives this property several possible uses.

It could serve as a full-time residence for someone seeking a quieter lifestyle, a vacation home for weekend and seasonal use, or an investment property for someone interested in the regional short-term rental market. Each strategy requires different financial considerations, but the physical characteristics of the home provide flexibility.

Recent Price Reduction to $314,800

The property is currently listed at $314,800 after a $5,000 price reduction.

A price reduction can bring renewed attention to a property, particularly among buyers who may have been watching the market and waiting for a change in asking price.

However, buyers should evaluate the current price based on the complete property rather than the reduction itself. Important factors include the home’s condition, acreage, views, finished basement, furnishings, local comparable sales, property taxes, insurance, maintenance, financing costs, and any community fees.

The listing reports a tax-assessed value of $214,490. Buyers should verify current property taxes and understand that an assessed value is used for taxation purposes and should not automatically be interpreted as market value.

The listed price per square foot is approximately $175. While this provides one useful comparison point, price per square foot alone does not capture the value of mountain views, land, outdoor spaces, furnishings, finished basement area, or the property’s overall location.

A Spacious 1,802-Square-Foot Mountain Home

The residence offers approximately 1,802 square feet of living space.

For a two-bedroom home, this is a relatively spacious footprint. The additional interior area can provide room for guests, entertaining, home office use, hobbies, relaxation, and storage.

The listing identifies a living room, dining room, kitchen, and bonus room, creating several distinct areas within the home.

The main-level primary bedroom provides convenience, while the finished full basement expands the home’s usable interior space.

This layout may work particularly well for buyers who want a mountain retreat without sacrificing the ability to accommodate family or guests.

A spacious interior can also be useful for a vacation property. Guests may value having separate areas for sleeping, cooking, dining, relaxing, and entertainment rather than being confined to a small cabin layout.

Two Bedrooms and Two Full Bathrooms

The home features two bedrooms and two full bathrooms.

One bedroom is located on the main level, including the primary bedroom, while the finished lower level provides additional space.

Having two full bathrooms can be especially useful when hosting guests. It can also provide convenience for full-time residents who want separate facilities for family members and visitors.

The bedroom arrangement creates flexibility for different ownership strategies.

A couple could use one bedroom as the primary sleeping area and the other as a guest room or home office. A family could use the additional bedroom for children or visitors. An investor could market the property toward vacation travelers seeking more space than a traditional one-bedroom cabin provides.

Fully Furnished and Turnkey Appeal

One of the property’s most notable features is that it is offered fully furnished.

For a buyer purchasing a vacation property, furnishings can represent a significant additional expense. Beds, sofas, dining furniture, televisions, kitchen equipment, decor, outdoor furniture, and other household items can quickly add up.

A furnished property can simplify the transition from purchase to personal use.

It may also be useful for an investment buyer who wants to continue operating the home as a furnished rental.

Nevertheless, buyers should confirm the inventory of included furnishings in writing. The phrase “fully furnished” can encompass many different items, and the buyer should understand exactly what will remain at closing.

A detailed inventory can prevent misunderstandings and make it easier to calculate the actual cost of preparing the property for personal or rental use.

Cabin-Style Character With Modern Practicality

The home is described as a cabin-style property, offering the warmth and character buyers often associate with mountain homes.

The construction includes a frame structure with wood siding and a metal roof.

Wood siding can complement the natural environment and contribute to the traditional mountain aesthetic, while a metal roof provides a durable roofing material when properly installed and maintained.

The home’s design combines rustic appeal with modern systems such as central heating, central air conditioning, public fiber-optic service, and contemporary kitchen appliances.

This mixture can appeal to buyers who want the visual character of a cabin without necessarily giving up everyday conveniences.

Beautiful Year-Round Mountain Views

The mountain views are arguably one of the property’s strongest features.

The listing describes the views as year-round, which can be particularly valuable in a region where seasonal foliage can significantly alter the landscape.

Mountain scenery can transform the everyday experience of living in a home. Morning coffee, outdoor dining, evening relaxation, and weekend gatherings can all become opportunities to enjoy the surrounding landscape.

For a vacation rental, year-round views can also become an important marketing feature.

Guests frequently choose mountain accommodations based on scenery, privacy, outdoor spaces, and the overall experience offered by the property.

Buyers should still personally evaluate the views from different areas of the property and understand whether neighboring properties, vegetation, or future construction could affect them.

Wrap-Around Covered Porch

The home includes a covered wrap-around porch, providing substantial outdoor living space.

A wrap-around design can create multiple seating areas and allow residents to experience different aspects of the surrounding landscape throughout the day.

Covered outdoor space is particularly useful in a mountain environment because it can provide shelter from direct sunlight while allowing occupants to remain outside.

The porch can function as an extension of the home’s living area, especially during comfortable weather.

For a vacation rental, a large covered porch can be a major lifestyle feature. Guests can use it for morning coffee, reading, conversation, outdoor dining, or simply enjoying the mountain scenery.

Fire Pit for Outdoor Gatherings

The property includes a fire pit, adding another outdoor recreation feature.

A fire pit can complement the mountain-retreat atmosphere and provide an area for evening gatherings.

For personal use, it can become a natural gathering place for family and friends.

For vacation rentals, outdoor gathering features can help differentiate a property from ordinary accommodations, although buyers should ensure that the fire pit complies with applicable safety requirements, local regulations, insurance policies, and community rules.

Proper clearance, maintenance, and responsible use are especially important in wooded or mountainous environments.

Finished Full Basement

The finished full basement adds significant flexibility to the property.

Although the home is listed as having two bedrooms, the finished lower level may provide additional recreational, entertainment, hobby, office, or guest space.

The listing identifies a bonus room, which can be useful for buyers seeking an area separate from the main living spaces.

A finished basement can also provide greater privacy when hosting visitors.

However, buyers should verify which basement areas are legally classified as finished living space and whether any rooms meet applicable requirements for bedrooms or other specific uses.

This distinction can matter when evaluating resale value, rental capacity, and potential future renovations.

Potential for a Flexible Bonus Area

The bonus room provides another opportunity for customization.

Depending on its size, access, windows, heating, cooling, and local regulations, it could potentially function as a home office, entertainment room, hobby space, exercise area, game room, or guest-use area.

Remote work has made dedicated office space increasingly valuable to many buyers, and a separate room can allow someone to work without taking over the main living area.

For a vacation property, a bonus area could also provide a space for children, games, movies, or indoor activities during poor weather.

The exact permitted use should be verified before a buyer treats the room as a formal bedroom or other regulated space.

A Mountain Home With Modern Connectivity

Fiber-optic service is listed among the property’s utilities.

Reliable internet can be a particularly important feature for modern mountain properties.

For a full-time resident, high-speed connectivity can support remote work, online education, video conferencing, entertainment, and everyday digital services.

For a vacation rental, dependable internet can also be an important amenity for guests.

Travelers increasingly combine recreation with remote work, making connectivity particularly useful for longer stays.

Buyers should verify the specific provider, available speeds, installation status, and monthly service cost before relying on the listing information for a technology-related decision.

Central Heating and Air Conditioning

The residence has central heating and central air conditioning.

This is an important practical advantage for year-round living.

Mountain climates can experience changing temperatures throughout the year, and reliable climate control helps make the property comfortable across different seasons.

For an investment property, HVAC performance can directly affect operating costs and guest satisfaction.

Buyers should determine the age and condition of the system, review available maintenance records, and consider a professional HVAC inspection.

Energy efficiency should also be considered when calculating long-term ownership costs.

Kitchen With Included Appliances

The kitchen is part of the home’s functional layout and is complemented by included appliances.

The listing identifies a refrigerator, range, and microwave.

A functional kitchen is especially important for both full-time residents and vacation renters.

Guests staying several nights may prefer preparing some meals at the property instead of eating at restaurants for every meal. A well-equipped kitchen can therefore contribute to the practicality of a vacation home.

Buyers should inspect the condition and age of the appliances and determine exactly which items convey with the property.

If the home is purchased as an investment, the condition of the kitchen should also be considered when estimating future maintenance and replacement costs.

Wood, Tile, and Vinyl Flooring

The home features a combination of wood, tile, and vinyl flooring.

Using different flooring materials can help distinguish areas of the house according to their function.

Wood flooring can contribute warmth and visual appeal, tile can be practical in kitchens and bathrooms, and vinyl can offer durability and easy maintenance.

For a vacation rental, flooring that is relatively easy to clean and maintain can be particularly valuable.

Prospective buyers should inspect flooring for signs of water damage, wear, unevenness, or areas requiring replacement.

Metal Roof and Exterior Considerations

The home has a metal roof.

Metal roofing is commonly used in mountain and rural properties and can provide durability when properly installed.

However, the age and condition of the roof remain important regardless of material.

Buyers should determine when the roof was installed, whether there are transferable warranties, and whether there are signs of leaks, corrosion, damaged flashing, or other problems.

The wood siding should also be inspected carefully for moisture damage, staining, insect activity, and areas requiring maintenance.

Approximately 0.55 Acres of Sloping Land

The property sits on approximately 0.55 acres.

The lot is described as sloping, which is common in mountain areas.

A sloped lot can contribute to scenic views and the natural character of a mountain property, but it can also influence drainage, landscaping, driveway maintenance, and future construction.

Buyers should evaluate how water moves across the property during rainfall and whether retaining walls, drainage systems, or other features require maintenance.

If future additions or structures are being considered, the slope should be evaluated by an appropriate professional.

Gravel Driveway and Parking

The property has a gravel driveway and uncovered parking.

Gravel can be practical for mountain properties, but it requires periodic maintenance.

Heavy rain can create erosion, ruts, or drainage issues, particularly on sloping terrain.

A buyer should inspect the driveway condition and determine how water is managed.

Adequate parking is important for both personal use and vacation rental operations, especially when multiple guests or visitors may arrive with more than one vehicle.

Fenced Outdoor Space

The property is listed as having fencing.

Fencing can provide additional definition to the outdoor area and may be useful for pets, recreational activities, gardening, or simply creating a more distinct private yard.

The condition and extent of the fence should be inspected.

Buyers should also verify property boundaries and determine whether the fencing corresponds with the actual legal parcel boundaries.

Shared Well and Septic System

The property uses a shared well for water and a septic tank for wastewater.

Shared wells require additional due diligence compared with individually owned private wells.

A buyer should review the shared-well agreement, understand maintenance responsibilities, determine how costs are divided, and confirm the quality and reliability of the water supply.

The septic system should also be inspected and evaluated.

Buyers should review available septic permits and determine the system’s capacity, age, condition, tank location, and drain-field location.

These factors become especially important if the buyer plans to increase occupancy, renovate the home, or use it extensively as a vacation rental.

Annual HOA Cost

The property has a homeowners association, with a listed fee of $180 annually.

This is a relatively modest stated annual community expense, but buyers should review the association documents carefully.

The important questions are not limited to the current fee.

Prospective purchasers should understand what the HOA covers, whether there are community restrictions, whether short-term rentals are permitted, whether there are architectural guidelines, and whether special assessments are possible.

For an investment buyer, confirming rental rules before closing is particularly important.

Murphy and the Western North Carolina Lifestyle

Murphy offers a distinctive mountain lifestyle in Western North Carolina.

The area attracts buyers interested in outdoor recreation, scenic landscapes, small-town living, and access to the broader Appalachian region.

For someone seeking a second home, the location can provide opportunities to enjoy mountain scenery without choosing a property that is completely isolated from local services.

The listing notes convenient access to downtown Murphy, where residents and visitors can find shopping, dining, and other services.

The ability to combine a peaceful residential setting with reasonable access to town can be a major advantage for both full-time homeowners and vacation-property owners.

Potential as a Full-Time Residence

The property could function as a full-time residence for buyers who enjoy mountain living.

With 1,802 square feet, two bedrooms, two bathrooms, a full finished basement, central HVAC, and fiber-optic service, it offers more functionality than a very small recreational cabin.

The main-level primary bedroom may be especially useful for homeowners who prefer to have their primary sleeping area on the main floor.

The finished basement creates additional separation between living and recreational areas.

A full-time buyer should nevertheless consider road access, winter weather, utility costs, healthcare access, commuting requirements, grocery shopping, and internet reliability before moving permanently to a mountain community.

Potential as a Vacation Home

As a second home, the property has several features that fit the vacation market.

Mountain views, a covered wrap-around porch, fire pit, cabin-style architecture, furnishings, and proximity to outdoor recreation can all contribute to a relaxing getaway experience.

The two-bedroom layout can also accommodate more than a typical one-bedroom retreat.

Owners could use the home for weekends and holidays while potentially exploring rental opportunities during periods of personal non-use.

Before adopting such a strategy, buyers should verify HOA restrictions, local regulations, insurance requirements, taxes, and the actual financial performance of comparable rentals.

Short-Term Rental Investment Considerations

The listing indicates that the property can be used as an income-producing investment property.

For investors, the first step should be determining whether short-term rental use is permitted and sustainable.

Potential rental revenue should be based on realistic comparable data rather than optimistic assumptions.

Important financial metrics include average nightly rate, occupancy, gross revenue, cleaning costs, management fees, booking platform charges, utilities, insurance, taxes, maintenance, replacement reserves, and financing costs.

A property producing high gross revenue may still have modest net income if operating expenses are significant.

Investors should also consider seasonality. Mountain destinations can experience periods of high demand and slower periods, so annual performance is more meaningful than a few strong months.

Furnishings Can Reduce Initial Setup Costs

Because the home is offered fully furnished, an investment buyer may potentially avoid some of the initial furnishing expenses associated with starting or continuing a vacation rental.

Furniture replacement and maintenance should still be included in the long-term budget.

Beds, mattresses, sofas, televisions, kitchen equipment, outdoor furniture, linens, and decorative items eventually need replacement.

A detailed inventory at closing can help the buyer understand the value and condition of the furnishings.

Financing and Ownership Costs

At $314,800, buyers should carefully evaluate financing options before making an offer.

Monthly housing expenses can include principal and interest, property taxes, homeowners insurance, HOA dues, utilities, maintenance, and potential management expenses.

If the property will be used as a second home or investment property, loan requirements and interest rates may differ from those associated with an owner-occupied primary residence.

Prospective buyers should obtain personalized financing information from a qualified lender and compare loan terms rather than relying on generic online payment estimates.

A cash buyer should similarly calculate opportunity cost, insurance, taxes, maintenance, and capital reserves.

Due Diligence Before Purchase

A property in the mountains deserves comprehensive due diligence.

Buyers should inspect the home’s structure, foundation, roof, siding, HVAC, plumbing, electrical system, windows, fireplaces, decks, porches, drainage, driveway, fencing, septic system, and shared well.

The finished basement should be checked carefully for moisture intrusion or drainage problems.

The buyer should also investigate the condition of the wrap-around porch and any exterior stairs or elevated structures.

For the shared well, legal agreements and maintenance responsibilities should be reviewed.

For the HOA, governing documents, fees, restrictions, and rental policies should be confirmed.

For anyone considering short-term rental use, local rules and insurance requirements should be verified before relying on rental income as part of the financial plan.

Why the Finished Basement Matters

The finished basement may be one of the most valuable features for buyers who prioritize flexible space.

Rather than having all activities concentrated on the main level, the additional finished area can provide separation.

A homeowner might use the basement for entertainment, games, hobbies, exercise, an office, or guest activities.

A vacation rental could potentially use the space for family entertainment or additional sleeping arrangements where legally permitted.

However, buyers should verify the exact finished square footage and whether any portion qualifies as legal living or sleeping space.

A Practical Mountain Investment Strategy

For an investor, this property may be best approached as a combination of lifestyle asset and income-producing property rather than as a simple rental calculation.

The mountain setting can provide personal enjoyment while the furnished configuration may support rental use.

One possible strategy could be to occupy the property periodically and rent it during unused periods.

Another could be to operate it primarily as a vacation rental.

A third approach would be to use it as a second home while holding it as a long-term real estate asset.

Each strategy should be evaluated according to the buyer’s financial objectives, tax circumstances, financing structure, and willingness to manage a rental operation.

Final Thoughts on This Murphy Mountain Home

This Murphy, North Carolina property offers an appealing blend of mountain scenery, comfortable living space, cabin-style character, and potential flexibility.

At $314,800 after a $5,000 price reduction, the home includes approximately 1,802 square feet, two bedrooms, two full bathrooms, a finished full basement, a bonus room, and a spacious interior designed for both everyday living and entertaining.

Outside, the approximately 0.55-acre sloping parcel provides a natural mountain setting with year-round views, a fenced area, a fire pit, gravel driveway, and a covered wrap-around porch.

The home is being offered fully furnished, which can make it particularly attractive to buyers seeking a vacation property or furnished investment.

Its combination of cabin character and modern conveniences also makes it suitable for consideration as a full-time residence. Central heating and air conditioning support year-round comfort, while fiber-optic service can be valuable for remote work and modern connectivity.

The shared well and septic system require careful inspection, and the annual HOA fee of $180 should be considered alongside the community’s rules and restrictions. Anyone considering short-term rental use should verify current regulations and HOA policies before assuming that the existing or intended rental strategy can continue.

From an investment perspective, the property’s potential should be evaluated using verified financial information, realistic rental assumptions, and a complete operating budget. Gross rental revenue alone does not determine profitability. Insurance, taxes, utilities, maintenance, cleaning, management, platform fees, financing, and replacement reserves all affect the final result.

For a personal buyer, however, the financial story may be only part of the appeal.

The year-round mountain views, covered porch, wood-oriented cabin design, fireplace, mature surroundings, and peaceful Western North Carolina setting can create the type of lifestyle that motivates people to search for mountain property in the first place.

The home offers enough space to comfortably function as more than a simple weekend cabin while remaining intimate enough to preserve the cozy atmosphere associated with mountain living.

For buyers looking for a furnished mountain retreat near Murphy, a potential vacation rental, or a full-time residence surrounded by scenic Western North Carolina landscapes, this property provides a combination of features worth investigating.

A careful inspection, title review, septic evaluation, shared-well review, HOA document review, insurance quote, and realistic financial analysis can help determine whether the property fits a buyer’s specific goals.

Ultimately, the strongest appeal of this home comes from the way its indoor and outdoor features work together. The 1,802-square-foot interior provides space and flexibility, while the mountain views and wrap-around porch create an outdoor experience that is central to the property’s identity.

With its recent price reduction, full furnishings, finished basement, year-round views, and convenient access to Murphy, this cabin-style residence offers an interesting opportunity for buyers who want to combine comfort, recreation, and the possibility of real estate income in one Western North Carolina property.

 

 

Listed on Zillow