617 South Cove Road

Mill Spring, NC
$ 998,000 Beds 3 Baths 3 Sq 2,588
Monthly Estimate* How much can I afford?

Welcome home to your Waterfront 3-bedroom, 3 bath retreat on Lake Adger. This lovely home is nestled on 2.68 acres in the peaceful Southcove section of Lake Adger. Designed for both everyday living and entertaining, this wonderful home features an open floor plan highlighted by dramatic cathedral ceilings, beautiful wood beams and a stunning stone fireplace in the great room. The kitchen and dining area offers a large island, abundant cabinetry, pantry, and plenty of room for gathering with family and friends. The main level includes a well-appointed primary suite and office, as well as a second bedroom and bath, providing comfort and convenience for owners and guests alike. The lower level features a generously sized bedroom, full bath, and a large recreation room complete with a wet bar—perfect for a game room, or family room. It also includes a hidden room behind a bookcase plus, a workshop that could easily be used as UTV storage, and an unfinished area for additional storage or future expansion. ***Note***there is a separate electrical panel for the workshop and a RV hookup on the side of the house -compatible with an electric car charger! Lake Adger is a private, gated community centered around a pristine 438-acre lake with 14 miles of shoreline. Residents enjoy boating, fishing, kayaking, and an extensive network of scenic walking and equestrian trails that wind through rolling hills, mountain vistas, tranquil streams, and preserved natural beauty. This is mountain-lake living at its finest.

Single Family

  • Price
  • $ 998,000
  • City
  • Mill Spring
  • Bedrooms
  • 3
  • Full Bathrooms
  • 3
  • County
  • POLK
  • Half Bathrooms
  • 0
  • Area
  • Polk County
  • Lot Size
  • 2.68 Acres
  • Zip
  • 28756
  • Sqr Footage
  • 2,588
  • Year Built
  • 2021
  • Style
  • MLS#
  • 4398379
Listed By: Tryon Foothills Realty; EllenGlassRealtor@gmail.com
Data Source: Canopy MLS

Features

General

Living Area 2588
Sewer Septic Installed
Heating Electric
Cooling Electric
Utilities Underground Power Lines,Underground Utilities
Roof Architectural Shingle
Appliances Dishwasher,Dryer,Electric Cooktop,Electric Oven,Exhaust Hood,Microwave,Refrigerator,Washer,Washer/Dryer
HOA Fee 1300
Garage Spaces 2
Patio/Porch Features Covered,Deck,Porch,Rear Porch,Screened
Construction Materials Fiber Cement
Year Built 2021
View Long Range,Mountain(s),Winter
Levels Two
Property Subtype Single Family Residence
Parcel Number P55-233
Waterfront Features Boat Ramp – Community,Boat Slip – Community,Dock
Community Features Lake Access,Picnic Area,Walking Trails
Accessibility Two or More Access Exits
Assoc Fee Paid Per Annually
County Polk
New Construction No
Property Type Residential
HOA Yes
Subdivision Name Lake Adger
Garage Y/N Yes
Full Baths 3
Directions From I-26,East on Highway 108,Left on Highway 9. Travel approx 2.3 miles to just past Lake Adger Sales Center. Left on Garrett Rd,Right on Green Hills into Lake Adger. Left on South Cove Rd-continue
High School Unspecified
City Mill Spring
Body of Water Lake Adger
Association Name Tessier Associates
Senior Community Y/N No
Lot Size Units Acres
Carport Y/N No
Elementary School Unspecified
Middle/Junior High School Unspecified
Additional Parcels Y/N No
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Restrictions Architectural Review,Deed,Livestock Restriction,Manufactured Home Not Allowed,Modular Not Allowed,Square Feet
Tax Assessed Value 716505

Interior Features

Basement Basement Shop,Exterior Entry,Interior Entry,Partially Finished,Storage Space,Walk-Out Access,Walk-Up Access
Fireplace Features Great Room
Basement (Y/N) Yes
Fireplace Y/N Yes
Above Grade Finished Area 1754
Laundry Features Inside,Laundry Room,Main Level
Total Bedrooms 3
Below Grade Finished Area 834
Total Baths 3
SqFt Main 1754
Bedroom 2

Exterior Features

Parking Features Driveway,Attached Garage,Garage Door Opener,Golf Cart Garage
Lot Features Wooded,Views,Waterfront
Water Source Shared Well
Lot Size Area 2.68
Foundation Details Basement
Road Surface Type Gravel,Paved
Other Equipment Fuel Tank - Leased
Road Responsibility Private Maintained Road
Horse Amenities Riding Trail
Main Level Garage YN Yes

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Hickory, NC office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unspecified Elementary School
Middle School Unspecified Middle School
High School Unspecified High School

Price History

7/12/2026 Listed $998,000

Property vs Zip Code Average in 28756

Price
AVG $1.31M
$1,000K
Year Built
AVG 2000
2021
Visits
AVG 329
57
Data Provided by Inside Real Estate®

617 South Cove Road Mill Spring, NC is a Single Family Home for sale at $998000 with 2588 sqft and a lot size of 2.68 Acres Acre(s). 617 South Cove Road Mill Spring has 3 bedrooms, 3 baths and was built in 2021. The property's zip code is 28756 which is in Mill Spring, NC

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.