SELLER OFFERS TO PAY the $40,000 one time non-equity buy in cost. Lake living at it best!. This direct lakefront custom built home is now available. The home features an open floor plan, vaulted ceiling, comfy living room, large stone fireplace and a upscale kitchen with large island. The primary suite and bath are on the first floor, 1/2 bath and the mud room has a second entrance so makes a great place to come into from the refreshing waters of beautiful Bear Creek Lake.The covered and open deck showcases the views of the lake and the mountains. The views from the entire home will make you feel you are living right on the water. The lower level features a den, 2 bedrooms, full bathroom and a perfect spot with a set of bunks called the "Bears Den". The lower deck allows another spot to hang out and the firepit is perfect for family to sit around and take in the evening sounds. This home comes fully furnished. Bear Lake Reserve is many amenities from the Lake Club with fine dining to the Tap Room for a Pub fare menu. The Lake Club has oversized covered and open decks to look over the large heated pool and look out over the sandy beach, marina and the calming waters of the lake and the mountains. Also the Lake Club features a kids pool with a slide and there are 2 hot tubs. Bear Lake Reserve has a 9 hole Jack Nicklaus Golf course, driving range and tennis/pickleball courts. Within the gated community we have many hiking trails to get out and enjoy all that beautiful Bear Lake Reserve has to offer in the Blue Ridge Mountains of North Carolina. When not enjoying your mountain getaway consider making it available as a vacation rental.
Make a winning offer with the help of a local agent
Around this home
Schools
K - 12
Preschool & daycare
Cullowhee Valley School
Public PreK-8 • Assigned • 8.4mi
2/10
Jackson County Early College
Public 9-12 • Assigned • 11.6mi
9/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Offer insights
561 Harbor Ridge Dr · $1,189,000
$1.16M and above
75% chance or better to win
Why $1.16M+ is a strong offer
DAYS ON MARKET
150 days
The average home goes pending in 92 days.
SALE-TO-LIST
95.8%
Most homes are selling 4% below list price.
About offer insights
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Dining
Interior features
Open floorplan
Kitchen island
Pantry
Walk-in closet(s)
Insulated windows
French doors
Insulated doors
Screen doors
Sliding doors
Walk-out basement access
Living room fireplace
Bedrooms
3 bedrooms total (1 on main level, 2 on lower level)
Bathrooms
2 full bathrooms
1 half bathroom
Kitchen
Dishwasher
Electric cooktop
Electric oven
Electric range
Exhaust hood
Laundry & utility
Washer and dryer included
Electric dryer hookup
Mud room on main level
Flooring
Hardwood floors
Heating & cooling
Heat pump heating
Central air conditioning
Heat pump cooling
Exterior features
Covered patio/porch areas
Deck
Front porch
Side porch
Wooded lot with views
Waterfront access (Bear Creek Lake)
Community boat slip access
Brick, stone and paved road surfaces
Private maintained road
Home design
Single family residence
Site built construction
One story
Entry level 1
R-1 zoning
Parking
Driveway parking
2 open parking spaces
Carport with 2 spaces
Has open parking
Security
Carbon monoxide detector(s)
Smoke detector(s)
Construction
Cedar shake, rough sawn and wood exterior materials
Basement and slab foundation
Utilities
Community well water
Private sewer
Electricity connected
Satellite internet available
Underground power lines and utilities
HOA & community
Part of Bear Lake Reserve HOA (mandatory)
Monthly association fee
Community amenities: clubhouse, fitness center, gated community, golf, hot tub, lake access, outdoor pool, picnic area, pond, putting green, sidewalks, tennis courts, walking trails
Pets allowed
Financial info
Association fee collected monthly
Other
Subdivision restrictions include architectural review
Electricity and solar
View estimated energy costs and solar savings for this home
SELLER OFFERS TO PAY THE $40,000 one time non-equity buy in cost. Lake living at it best!. This direct lakefront custom built home is now available. The home features an open floor plan, vaulted ceiling, comfy living room, large stone fireplace and a upscale kitchen with large island. The primary suite and bath are on the first floor, 1/2 bath and the mud room has a second entrance so makes a great place to come into from the refreshing waters of beautiful Bear Creek Lake. The covered and open deck showcases the views of the lake and the mountains. The views from the entire home will make you feel you are living right on the water. The lower level features a den, 2 bedrooms, full bathroom and a perfect spot with a set of bunks called the "Bears Den". The lower deck allows another spot to hang out and the firepit is perfect for family to sit around and take in the evening sounds. This home comes fully furnished. Bear Lake Reserve is many amenities from the Lake Club with fine dining to the Tap Room for a Pub fare menu. The Lake Club has oversized covered and open decks to look over the large heated pool and look out over the sandy beach, marina and the calming waters of the lake and the mountains. Also the Lake Club features a kids pool with a slide and there are 2 hot tubs. Bear Lake Reserve has a 9 hole Jack Nicklaus Golf course, driving range and tennis/pickleball courts. Within the gated community we have many hiking trails to get out and enjoy all that beautiful Bear Lake Reserve has to offer in the Blue Ridge Mountains of North Carolina. When not enjoying your mountain getaway consider making it available as a vacation rental.
CANOPYMLS as Distributed by MLS Grid #4388299
Jun 15, 2026
Listed
$1,189,000
$659/sq ft
Public Records
Nov 7, 2019
Sold
$400,000
$222/sq ft
Year
Property tax
Land + Additions
Assessment*
2026
$3,289
$550,000 + $470,543
$1,020,543
2025
$3,289 (+91.0%)
$550,000 + $470,543
$1,020,543
2024
$1,722
$175,000 + $245,180
$420,180
2023
$1,722
$175,000 + $245,180
$420,180
2022
$1,722 (+7.0%)
$175,000 + $245,180
$420,180
2021
$1,610 (+24.0%)
$175,000 + $245,180
$420,180
2020
$1,298
$175,000 + $245,180
$420,180
2019
$1,298
$100,000 + $219,510
$319,510
2018
$1,298 (+185.9%)
$100,000 + $219,510
$319,510
2017
$454
$100,000
Public record
Beds
3
Baths
3.5
Stories
1
Lot width
—
Lot depth
—
Lot size
4,792 Sq. Ft.
Year renovated
—
Finished Sq. Ft.
1,809
Unfinished Sq. Ft.
—
Total Sq. Ft.
1,809
Year built
2016
Style
Single Family Residential
County
Jackson County
APN
7596-04-0246
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 9, 2026.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
3/10 Heat Factor
8 days above 91° expected this year, 22 days in 30 years
2/10 Wind Factor
Minor risk of severe winds over next 30 years
4/10 Air Factor
5 unhealthy days expected this year, 5 days in 30 years
Provided by First Street
Historical weather
Tuckasegee, NC • 28783
Average low and high temperatures (°F)
42
25
53
33
62
41
69
50
70
54
77
61
80
65
73
61
71
56
62
46
58
41
49
33
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
73/ 100
Good sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.6 hrs
4.2 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 561 Harbor Ridge Dr
$1,137,353
$52K under list price of $1.19M
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $625K to $1.8M.