1264 Ten Whigs Ridge

Nebo, NC
$ 2,800,000 Beds 4 Baths 4.5 Sq 4,629 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to an extraordinary custom-built lakefront retreat on Lake James, where exceptional craftsmanship and the beauty of the lake and Blue Ridge Mountains come together on 2.64 private acres. Complete with a covered aluminum dock and boat lift, this 4-bedroom, 4.5-bath home, built in 2014, offers over 4,600 square feet across three thoughtfully designed levels. What sets this property apart is the rare combination of lakefront living, mountain views, and a home designed to feel deeply connected to both. Expansive windows frame the lake and layer upon layer of Pisgah ridgelines, with Mount Mitchell rising in the distance. The west-facing orientation delivers spectacular sunsets, while mornings are equally moving as early sunlight gently washes over the lake and mountains, slowly revealing the depth and beauty of the landscape. The main living area is anchored by a stone fireplace featuring a premium Fireplace Xtrordinair® wood-burning system, generous stone hearth, and rustic mantel—an architectural focal point that brings warmth, texture, and distinctive mountain character to the space. The well-appointed kitchen features custom cabinetry, granite countertops, and a beautifully textured ceiling-to-countertop mosaic backsplash in soft, natural tones. Thoughtfully designed for both everyday living and entertaining, the kitchen flows naturally into the adjoining living and gathering spaces. Each of the four bedrooms enjoys a view of the lake or surrounding mountains, allowing all to wake to a landscape that continually changes with the light, weather, and seasons. Outdoor living is equally inviting with an expansive wraparound porch, outdoor fireplace, and fire pit overlooking the surrounding landscape. The floating covered dock provides easy access for swimming, boating, kayaking, paddleboarding, and fishing. The finished walkout lower level provides additional space for gathering, recreation, and relaxation, with convenient access to the outdoors and the beauty of the surrounding property. Life here extends well beyond the home's walls. The lake becomes an extension of everyday living. Trails within the community invite hiking and time outdoors, and don’t forget the great amenities at Camp Lake James. Whether the day is spent exploring or simply resting in the stillness, this home offers something increasingly rare—a true sense of refuge, peace, and connection.

Single Family

  • Price
  • $ 2,800,000
  • City
  • Nebo
  • Bedrooms
  • 4
  • Full Bathrooms
  • 4
  • County
  • MCDOWELL
  • Half Bathrooms
  • 1
  • Area
  • McDowell County
  • Lot Size
  • 2.64 Acres
  • Zip
  • 28761
  • Sqr Footage
  • 4,629
  • Year Built
  • 2014
  • Style
  • Arts and Crafts
  • MLS#
  • 4426377
Listed By: Berkshire Hathaway HomeServices Carolinas Realty; Lori.Guggenbiller@BHHSCarolinas.com
Data Source: Canopy MLS

Features

General

Living Area 4629
Sewer Septic Installed
Heating Forced Air,Propane
Cooling Central Air
Utilities Cable Connected,Electricity Connected,Fiber Optics,Propane
Roof Architectural Shingle
Appliances Convection Oven,Dishwasher,Double Oven,Dryer,Electric Oven,ENERGY STAR Qualified Refrigerator,Exhaust Hood,Filtration System,Gas Cooktop,Ice Maker,Refrigerator with Ice Maker,Tankless Water Heater,Wa
HOA Fee 1900
Patio/Porch Features Covered,Deck,Front Porch,Rear Porch,Wrap Around
Architectural Style Arts and Crafts
Security Features Carbon Monoxide Detector(s),Security System,Smoke Detector(s)
Construction Materials Fiber Cement,Stone Veneer
Year Built 2014
View Mountain(s),Water
Levels Two
Property Subtype Single Family Residence
Parcel Number 1734-00-23-1513
Waterfront Features Boat Lift,Dock,Paddlesport Launch Site,Paddlesport Launch Site - Community
Community Features Clubhouse,Fitness Center,Game Court,Gated,Hot Tub,Lake Access,Outdoor Pool,Pickleball,Playground,Recreation Area,Tennis Court(s),Walking Trails
HOA Fee 2 4200
Assoc Fee Paid Per Annually
County McDowell
New Construction No
Property Type Residential
HOA Yes
Subdivision Name 1780
Garage Y/N No
Full Baths 4
High School McDowell
City Nebo
Body of Water Lake James
Association Name First Service Residential
Senior Community Y/N No
Lot Size Units Acres
Carport Y/N No
HOA Fee 2 Frequency Annually
Elementary School Nebo
Middle/Junior High School East McDowell
Additional Parcels Y/N No
AssociationName2 Camp Lake James
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Restrictions Architectural Review,Building,Rental – See Restrictions Description,Signage
Tax Assessed Value 1551090
Listing Terms Cash,Conventional,USDA Loan,VA Loan

Interior Features

Interior Amenities Attic Other,Built-in Features,Central Vacuum,Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry
Basement Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access
Flooring Carpet,Tile,Wood
Fireplace Features Family Room,Fire Pit,Living Room,Porch,Wood Burning,Wood Burning Stove
Basement (Y/N) Yes
Window Features Insulated Window(s)
Fireplace Y/N Yes
Above Grade Finished Area 3117
Half Baths 1
Laundry Features Laundry Room
Total Bedrooms 4
Below Grade Finished Area 1512
Total Baths 5
SqFt Main 1622
SqFt Upper 1495
Bedroom 1

Exterior Features

Exterior Amenities Fire Pit,Dock - Floating,Outdoor Shower
Parking Features Driveway
Lot Features Views,Wooded
Water Source Well
Lot Size Area 2.64
Foundation Details Basement
Road Surface Type Gravel
Other Equipment Fuel Tank - Leased
Road Responsibility Private Maintained Road,Road Maintenance Agreement
Main Level Garage YN No

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 Nebo Elementary School
Middle School East McDowell Middle School
High School McDowell High School

Price History

9/22/2026 Listed $2,800,000

Property vs Zip Code Average in 28761

Price
AVG $1.07M
$2.8M
Year Built
AVG 2006
2014
Visits
AVG 256
36
Data Provided by Inside Real Estate®

1264 Ten Whigs Ridge Nebo, NC is a Single Family Home for sale at $2800000 with 4629 sqft and a lot size of 2.64 Acres Acre(s). 1264 Ten Whigs Ridge Nebo has 4 bedrooms, 4 baths and was built in 2014. The property's zip code is 28761 which is in Nebo, 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.