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NC #340321
File / 05.D · High Country Anchors · Vol. 05Linville · Avery County

Linville Ridge

A 1,800-acre gated mountain community at roughly five thousand feet of elevation. George Cobb routed the original course in 1981; Bobby Weed redesigned it in 2007. A published two-tier membership at $50K Full or $12.5K National. Median list around $2.1M. Sixty to seventy percent of owners hold a club membership — which is the part of the page most buyers arrive without having read.

Course pedigree

George Cobb opened 1981; Bobby Weed Golf Design redesigned 2007. Hole #13 at ~4,945 ft — claimed highest east of the Mississippi.

Membership structure

Full Member $50K initiation. National Member $12.5K. Membership separate from home purchase; application and committee review required.

Coordinates
36.0681° N · 81.8709° W
Footprint
≈ 1,800 acres
Elevation
4,000 – 5,000 ft
Median list
$2.1M
Full initiation
$50K (verify current)
02 / 11

Statement of Place

What Linville Ridge is, separate from its neighbors

Linville Ridge sits on the spine that runs south from Grandfather Mountain — roughly eighteen hundred gated acres, an elevation band that runs from about four thousand to five thousand feet, and a residential layout organized around a George Cobb 1981 golf course that Bobby Weed redesigned in 2007. The community was founded in the late 1980s, which makes it roughly thirty-six years standing — old enough to have a mature streetscape and tree canopy, young enough that the building science across the inventory is more consistent than in the older neighbors.

Three things separate Linville Ridge from the two communities it is most often confused with. The first is the course pedigree: Grandfather Golf next door is an Ellis Maples 1968 layout with a longer competitive history; Linville Ridge is the modernized neighbor with a Weed redo most golfers recognize inside nine holes. The second is the membership mechanic: at Grandfather, club membership is by invitation only and routinely runs multiple years; at Linville Ridge, membership is published in two tiers, Full at fifty thousand and National at twelve thousand five hundred, and the application path is the practical alternative for buyers who cannot get inside Grandfather's invitation cycle on the timeline they need. The third is the residency pattern: Linville Ridge is summer- primary for the vast majority of owners, and the five-thousand-foot elevation selects strongly against year-round use even when the household can afford both winters and the home.

The third confusion is with Banner Elk, the broader town to the north. Banner Elk is the year-round service town, the location of Lees-McRae College, and the lifestyle anchor for a wider set of communities including Elk River Club and the broader village inventory. Linville Ridge is a discrete gated community in a different ZIP code, with internal roads the HOA plows and an external road network — NC 105 and NC 181 — that the county and state maintain. Buyers who walk both on the same weekend find the two resolve into separate decisions quickly: one is a residential community organized around a club; the other is a town with multiple communities inside it.

Place ledger
CountyAvery County, NC
ZIP28646 / Linville
Footprint≈ 1,800 acres, gated
Elevation≈ 4,000 – 5,000 ft
FoundedLate 1980s (≈ 36 years)
Closest hospitalCannon Memorial, Linville
Closest groceryBanner Elk (≈ 10 min)
Closest airportElk River jetport NC06 (≈ 15 min); AVL ≈ 1h15m
Course ledger
Original architectGeorge Cobb — 1981
RedesignBobby Weed Golf Design + MacCurrach — 2007
Holes18 — championship layout
Signature hole#13 at 4,945 ft — claimed highest east of the Mississippi
SettingLinville Ridge spine, 4,000 – 5,000 ft elevation
Course accessMembers and accompanied guests only
Practice facilityRange, short-game area, putting complex
03 / 11

Market Data

Median · Sold · DOM · Recent transfers
Market ledger
Median list (LR)$2,100,000
Linville median sold (TTM)$1,471,250 (small-N)
Active inventory (LR tag)≈ 10 – 13 homes
Lot range$299K – $1.2M
Top sale (band)$4.25M (6BR / 8,535 SF)
Owners who are members≈ 60 – 70%
Real estate ledger
Community footprint≈ 1,800 acres, gated, ~5,000 ft elevation
Inventory mixEstate homes, mountain cottages, vacation residences, homesites
Median list$2,100,000 (Linville Ridge specifically)
Linville area median$1,471,250 sold last 12 mo (small-N — read with care)
Active inventory≈ 10 – 13 homes in 28646 / Linville Ridge tag
Lot range≈ $299K – $1.2M; wide spread by frontage and view
Owners who are members≈ 60 – 70%; membership not required to own
Architectural Review BoardAll exterior work subject to ARB approval

Inside the Linville Ridge tag specifically, median list runs around two point one million. The broader Linville-area median sold price across the trailing twelve months landed at roughly one point four seven million — with the caveat that the underlying sample is small and the year-over-year swings are correspondingly large. Active inventory inside the community typically runs ten to thirteen homes; the band moves with season, with the most showings concentrated between late spring and the third week of October when fall color peaks.

Built homes typically transact in the one point three million to four million dollar band, with the premium on golf-front frontage, long-view exposure unaffected by the seasonal canopy, and recent custom construction with current building science — insulation, glazing for the altitude, snow-load roof design, conditioned crawl spaces. The 6BR/12-bath estate at eight thousand five hundred thirty-five square feet that closed near four point two five million is the high-band reference; the entry to the community sits closer to one point three million in interior inventory without direct fairway frontage. Raw homesites run roughly two hundred ninety-nine thousand to one point two million depending on frontage, view, and septic-feasibility status.

Reference price bands
Property / ReferenceBR / BASFPriceStatus
Linville Ridge estate (band high)Top of the Linville Ridge band — estate homes with long views, multi-wing layouts, and recent capital reinvestment.6 / 128,500+$3.4M – $4.25MReference band
Linville Ridge golf-front home (band mid)The working median — golf-front or long-view homes, often summer-primary households with multi-generational use.4 / 4+4,500 – 6,000$2M – $3MReference band
Linville Ridge mountain-view home (band entry)Interior or wooded lots without direct fairway frontage; the practical entry for a household just inside the gates.3 / 32,800 – 4,000$1.3M – $2MReference band
Linville Ridge raw homesiteBuild-ready parcels run wide; premium attaches to golf frontage, long views, and southwest exposure.$299K – $1.2MReference band

Bands shown are reference ranges from research and historical inventory patterns. Linville Ridge transfers are confirmed at the showing from Canopy MLS; the live numbers behave with seasonality and the small-sample swings noted above.

04 / 11

The Community vs. The Club

The single most important sentence on this page

Property ownership inside the Linville Ridge gates and membership at Linville Ridge Country Club are two separate transactions. A buyer who closes on a home inside the community has not automatically been enrolled at the golf course, seated in the dining room as a member, or unlocked the racquet and pool facilities at member rates. The deed conveys the residence; a separate application, financial qualification, and committee review govern the membership. Roughly sixty to seventy percent of property owners hold a club membership, which means a meaningful share — one in three households — have chosen ownership without it.

This is the single sentence buyers most regularly arrive without having read, and it is the sentence that resolves the most due-diligence conflicts at the offer stage. A buyer who tours the course on a guest pass, walks through the clubhouse with a member, and closes on a home assuming the membership will be there on the spring schedule is setting up a hard household conversation. The application is a real step, the schedule of when committees meet is fixed by the club calendar, and the approval is not a formality. We frame the membership question on the first conversation, not at offer.

Three written confirmations belong in the buyer's due-diligence file before earnest money goes hard. Each one is requested from the membership office directly, in writing, on the membership office's letterhead — not from the listing agent, not from the seller, not from a property owner who happens to hold a current membership:

  1. The current initiation tier and dues schedule for the calendar year the buyer intends to begin, including Full Member, National Member, and any social or junior tiers; the food-and-beverage minimum; the transfer-fee structure if any; and the capital-assessment pattern across the most recent three to five years. Initiation tiers move, dues move, and an out-of-date number in an offer email is an offer email rewriting itself two weeks later.
  2. The current wait-list status, if a wait exists at the tier the buyer plans to apply to. Linville Ridge runs shorter than Grandfather historically, but the depth is not zero in every season, and the practical timeline from application to active membership should be in writing.
  3. The membership application requirements— sponsorship if any, the committee schedule, the supporting documents the office expects from the applicant, the financial qualification standard, and the timeline from application to board decision.

A buyer with a clear non-member ownership plan can close confidently without ever opening the membership application — the homes still hold value, the gates still open, and the internal road network and residential amenities tied to the HOA are still part of the deed. A buyer who plans to be a member should not close before the three written confirmations are in the file. The two paths are fine; the failure mode is closing on one and discovering halfway through the first season that the household has been planning for the other.

Club ledger
FoundedLate 1980s — community ~36 years standing
OwnershipPrivate country club; gated residential
Full Member initiation$50,000 (research-sourced — verify current)
Full Member dues$10,800 / yr + $1,000 F&B minimum (verify current)
National Member initiation$12,500 (research-sourced — verify current)
National Member dues$5,400 / yr (verify current)
Membership cultureFamily-friendly; less golf-purist than Grandfather
AmenitiesClubhouse, racquet, fitness, pool, dining
05 / 11

Architectural Standards and HOA

Exterior controls · ARB · Road maintenance · Capital assessments

Every exterior change at Linville Ridge passes through the Architectural Review Board. New construction, additions, exterior color, roof material, landscape grading, hardscape, retaining walls, lighting, and driveway alterations are all subject to written application, design review, and a board decision. The ARB is not a rubber stamp. Buyers planning a rear addition, a primary-suite extension, or a refresh of the main entry should pull the current design guidelines during due diligence, not after closing.

In practice, the board enforces materials, mass, roofline character, and a mountain-vernacular palette consistent with the late-1980s build-out and the natural ridge setting. The result is a streetscape that will not be visually cheapened by a neighbor's renovation a decade out, and a resale market that has held its premium through multiple national cycles. The tradeoff: a buyer with a strong personal design point of view needs an architect who has done ARB-governed work in a private mountain community before. Linville, Banner Elk, and Boone firms maintain ongoing relationships with the board.

The HOA at Linville Ridge maintains internal roads, including winter plowing, the gate-house operation, community common areas, and the residential trail network. Outside the gates — on NC 105 and NC 181 down toward Pineola and Linville Falls — the maintaining authority is the North Carolina Department of Transportation. A property's winter access answer therefore changes depending on whether the route stays inside the gate the whole way or runs a county or state road for the last approach. Capital assessment history is the other question worth asking specifically: the community is roughly thirty-six years standing, and aging infrastructure on gate-houses, road bases, water and sewer where present, and clubhouse mechanicals shows up as periodic assessments. Pull the assessment history before close.

06 / 11

Lot Bands

Golf-front · Mountain-view · Interior-forest

Linville Ridge inventory falls into three working lot bands, and the price-per-square-foot signal inside each band is sharper than the headline median suggests. Buyers who walk all three on the same visit resolve their own decision faster than the ones who only see one.

GOLF-FRONT

Direct fairway frontage on the Cobb / Weed routing. These are the premium lots in the community; the price-per-square-foot premium runs ten to twenty percent over the comparable interior inventory, and the resale pattern has been the most durable. Hole #13 sits at roughly four thousand nine hundred forty-five feet, and the lots above the fourteenth tee carry an additional view premium that has held through the post-Helene market. Building science considerations are tightest here: wind exposure changes the glazing spec and the deck-anchoring detail, and the ARB will not approve a planting plan that ignores the deer line.

MOUNTAIN-VIEW

Long-view lots without direct fairway frontage. The view-corridor analysis matters here: a lot whose view runs south or southwest will hold its value through canopy growth and through neighbor construction; a lot whose view runs along an easterly axis with a downslope neighbor on the view line is exposed to canopy and construction risk in a way the listing photos rarely show. Walk the lot in late June when the canopy is full, not in February when the trees are bare.

INTERIOR-FOREST

Wooded interior parcels without direct fairway frontage or long-view exposure. The practical entry band into Linville Ridge real estate; the lots run from roughly two hundred ninety-nine thousand for steep parcels without current septic approval to roughly seven hundred thousand for build-ready inventory near the internal road network. Build the house and the ownership-without-membership math is the most conservative way into the community. Just verify the septic feasibility status with the county before the lot earnest money goes hard — a perc result on a 1991 file is not a current approval.

Lot ledger
Golf-front lotPremium 10 – 20% over interior
Long-view lotView-corridor analysis required
Interior-forestPractical entry to the community
Raw lot band$299K – $1.2M
Septic feasibilityPull current county record
ARB build reviewCycle in weeks, not days
07 / 11

Buyer Profile

Legacy families · Summer residency · Late-career golfers

The dominant buyer at Linville Ridge is the legacy multi-generational family with a summer-primary pattern. In many cases the household has summered in Linville or the broader Banner Elk corridor for two or three generations before the current purchase; the home is sized for grandchildren and holiday weekends, the kitchen to feed twelve, and the bedroom count to absorb a sibling household visiting for a week. The primary residence is in Charlotte, Raleigh, Charleston, Atlanta, or one of the Florida metros — the drive-market math works for a long weekend on a regular cadence and for a full June-through-September stay in the summer season.

The late-career or recently retired golfer is the second cohort, and it overlaps heavily with the first. These households have played the Cobb / Weed course as guests over multiple seasons, have built the membership relationship that makes the application straightforward, and are shifting from second-home use toward extended-residency use as career rhythm allows. Hole thirteen and the high-elevation routing are the lead in the first conversation; the residential layout and the multi-generational fit are usually the second.

The third cohort is the non-member household by intent: the buyer who wants the gate, the elevation, the architectural standards, and the HOA-maintained streetscape, but does not want the club dues exposure on top of the mortgage. About one in three households at Linville Ridge falls into this group. The decision is durable, the deed is the same deed, and the comparable set the listing agent uses on the resale should reflect the non-member ownership reality.

Drive markets cluster the same way as the rest of the High Country triangle: Charlotte at roughly two hours and fifteen minutes, Raleigh at three hours, Atlanta at four, and the Florida metros over an overnight fly-drive or a fly-in to the Elk River jetport NC06 about fifteen minutes from the gate.

Buyer profile ledger
Primary buyerMulti-generational family; summer-primary household at altitude
Secondary buyerLate-career or retired golfer wanting Cobb / Weed course access
Drive marketsCharlotte (≈ 2h15m), Raleigh (≈ 3h), Atlanta (≈ 4h), Florida fly-drive
Cross-shop setGrandfather Golf & CC, Elk River Club, Diamond Creek
Use patternSummer-primary, winter-secondary; elevation selects against year-round
Decision horizonMulti-year; the home is often a generational decision
08 / 11

Cross-shop — Linville Ridge vs. Grandfather, Elk River, Diamond Creek

Three neighbors · Three different products · A clean comparison

Buyers considering Linville Ridge will, in almost every case, also walk one or more of three neighbors. The four are not interchangeable. Here is how we frame the comparison on a first visit.

CommunityCourse pedigreeAcquisition pathDistinguishing feature
Linville RidgeGeorge Cobb 1981; Bobby Weed 2007 redo.Published Full $50K / National $12.5K tiers.Hole #13 at 4,945 ft. Membership separate from ownership.
Grandfather Golf & CCEllis Maples, 1968. #2 in NC.By invitation, sponsorship, multi-year wait.Golf-purist legacy. Multi-generational families.
Elk River ClubJack Nicklaus Signature, 1984 (first in NC).By invitation; 245-member golf cap.Private jetport (NC06) inside the gates.
Diamond CreekTom Fazio, 2003. Top 5 in NC.Referral-only at every tier.≈ 20 estate homes on ≈ 1,000 acres. Density.

The framing: Linville Ridge is the modernized residential community with a published two-tier membership and a non-member ownership path; Grandfather is the legacy answer with by-invitation membership; Elk River is the Nicklaus-pedigree fly-in product with a 245-cap; Diamond Creek is the referral-only Fazio product. The decision usually clarifies itself by the third visit. See the related deep-dive pages: Grandfather Golf & Country Club, Elk River Club, Diamond Creek, and Banner Elk (the broader town context).

09 / 11

Risk and Compliance

Mountain conditions · Disclosures · Insurance posture

WINTER ACCESS — NC 105 / NC 181

Linville Ridge sits at roughly five thousand feet at the upper end, and the approach roads — NC 105 from Boone and Banner Elk, NC 181 / Linville Falls Highway from the south — carry their own winter character. Post-Helene, sections of NC 105 were closed and reopened over a phased timeline; as of mid-2026 access is restored, but a buyer should verify the current NCDOT condition page before scheduling a showing. We recommend a winter visit on any property a buyer is considering for primary or extended-residency use, not just summer-primary use.

SEPTIC AND WELL

Many parcels at Linville Ridge are on private septic and private wells rather than municipal service. Septic capacity, drain-field condition, and well water quality are non-negotiable due-diligence items at this price band. Deferred maintenance on a mountain septic is a real number. Pull the county records, run a current inspection, and run a water-quality panel before earnest money goes hard. An older perc result is not a current approval.

HELENE AND INSURANCE POSTURE

The insurance market for steep-slope mountain inventory tightened after Helene. Carrier appetite for high-elevation steep parcels has narrowed, binders are taking longer to issue, and the premium bands have moved. The insurance review belongs in the due-diligence file, not the week before close. We coordinate a binder review on the property under contract before the option period runs.

WILDLIFE AND BLACK BEAR

Black bear activity is part of life at this elevation. Bear-resistant trash enclosures, garage protocols, and bird-feeder rules apply community-wide. Deer pressure on landscape installations is constant; the ARB will not approve a planting plan that ignores the deer line. Households new to the High Country adjust quickly; the part that takes some practice is the routine garage and grill discipline that keeps a habituated bear from establishing a pattern.

MEMBERSHIP-PURCHASE DISCLOSURE

Home purchase does not confer club membership. Membership is a separate application; a Full Member tier is published at $50,000 initiation, a National Member tier at $12,500, and roughly thirty percent of property owners hold no membership at all. This disclosure belongs in the buyer's due-diligence file and in the conversation on the first visit, not deferred to closing.

NCREC OAD AND DISCLOSURES

Standard NCREC obligations apply on every transaction: the Working with Real Estate Agents (WWREA) form at first substantial contact, the Owner Agency Disclosure (OAD), the agency agreement on representation, and the Residential Property and Owners' Association Disclosure Statement at offer. HOA documents and the club's governing documents are separate disclosures and are pulled before offer signature, not after. The CC&Rs materially restrict short-term rental; buyers chasing a vacation-rental income model should not target Linville Ridge.

Lindsay’s Field Notes

From the road · Working broker, ten bullets
  1. Note 01

    Linville Ridge is summer-primary for the vast majority of owners. Even households that can afford to make it year-round find the practical access in January and February harder than Banner Elk by a real margin.

  2. Note 02

    About sixty to seventy percent of property owners hold a club membership. The other third have chosen homeownership without it. That mix changes the comparable set and changes how a listing is positioned.

  3. Note 03

    Full membership at $50,000 plus the $1,000 food-and-beverage minimum is the headline. National at $12,500 is the working try-it-on tier — and the practical path to full a season or two later.

  4. Note 04

    Hole thirteen at roughly forty-nine-hundred forty-five feet is not a gimmick. It changes how lots above the fourteenth tee are priced, and it shows up in the first photograph in nearly every marketing package.

  5. Note 05

    The Bobby Weed redo in 2007 is the lever that moves the modern player off Grandfather and onto Linville Ridge. Buyers who tour both can usually feel the difference inside nine holes.

  6. Note 06

    Post-Helene, NC 105 was closed in places and reopened over a phased timeline. As of mid-2026 access is restored, but a buyer should verify the most current NCDOT condition page before scheduling a showing.

  7. Note 07

    Linville Ridge fees are higher than Grandfather Golf for comparable amenities. Elevation and the recent Weed redo have held the resale market regardless. The buyer shorthand 'high fees mean poor resale' has not played out here.

  8. Note 08

    Internal community roads at Linville Ridge are private; the HOA plows. Outside the gates the roads are county-maintained. A property's winter access answer changes depending on which side of the gate the route runs.

  9. Note 09

    Cannon Memorial in Linville is the closest hospital — small, in-town, and the only daytime option. Most full-time residents keep a Watauga Medical relationship in Boone for anything beyond a same-day need.

  10. Note 10

    Fall color peaks here in the second or third week of October. That is the highest showing demand window of the year. Inventory drops sharply after Thanksgiving and does not recover until spring.

Lindsay Philyaw, Broker-in-Charge · NC #340321 · About Beacon Ridge Realty

10 / 11

Active Canopy MLS Inventory

Linville and Linville Ridge area · Live feed
Filter / Linville · ZIP 28646 · Linville Ridge tag

The feed below is the live Canopy MLS portal Beacon Ridge Realty operates. Inventory inside Linville Ridge is filtered to ZIP 28646 and the Linville Ridge community tag. Active counts typically run ten to thirteen homes inside the community; the live feed will reflect current numbers and may include adjacent Linville inventory outside the gates.

Properties listed by Beacon Ridge Realty across Canopy MLS — Connelly Springs, Hickory, Morganton, lake country, and the High Country.

Off-market inventory available on requestRequest a private inventory brief ›

Frequently Asked

Buyer questions, answered in writing
Do I have to be a club member to buy a home in Linville Ridge?
No. Property ownership inside the gated community is one transaction; club membership is a separate transaction. Roughly sixty to seventy percent of property owners hold a membership, which means a meaningful share have chosen to own without one. A non-member household still has access to the gates, the internal roads, and the residential amenities tied to the HOA; the golf course, the clubhouse as a member, and the racquet and pool facilities at member rates require a separate membership.
Does buying a home guarantee me a club membership?
No. Membership at Linville Ridge requires a separate application and is not automatically conferred by the deed. The path is shorter and more accessible than at Grandfather Golf — Linville Ridge offers a published Full Member tier and a National Member tier — but the application, financial qualification, and committee review are real steps. Three written confirmations from the membership office belong in the buyer's file before earnest money goes hard.
What does membership cost?
Publicly cited, research-sourced figures place Full Member initiation at $50,000 with annual dues around $10,800 plus a $1,000 food-and-beverage minimum. The National Member tier is published at $12,500 initiation and $5,400 in annual dues. Both schedules should be confirmed with the membership office before they appear in an offer-stage conversation; initiation tiers and dues schedules move, and the club's own communications are the only authoritative source.
What is the National Member tier and how does it work?
The National Member tier is designed for buyers whose primary use is seasonal — summer residency, intermittent visits, a household based out of state. The lower initiation and dues reflect a more limited usage pattern, and the structure has historically operated as a practical path to Full membership for households that begin seasonal and shift toward year-round over a few cycles. Specific play-day allowances, guest privileges, and the conversion timing to Full should be confirmed in writing with the membership office during due diligence.
What is the architectural pedigree of the course?
George Cobb designed the original eighteen at Linville Ridge in 1981. Bobby Weed Golf Design, with MacCurrach Golf as the construction partner, completed a comprehensive redesign in 2007 that re-routed greens, reshaped fairway corridors, and modernized the conditioning. Cobb is a respected mid-century course architect; Weed is a modern designer with a national portfolio. The 2007 redo is the lever that moves the modern player off Grandfather and onto Linville Ridge, and it is the single most-cited reason a serious golfer chooses the residential community.
How does Linville Ridge compare to Grandfather, Elk River, and Diamond Creek?
Four different products in the same High Country radius. Linville Ridge is the modernized residential community — Cobb 1981 with Weed 2007 redo, a published membership tier structure, and a meaningful share of owners who are not club members. Grandfather Golf & Country Club next door is the legacy answer: Ellis Maples 1968, by-invitation membership, multi-generational families, and a multi-year wait. Elk River Club is the Jack Nicklaus Signature at Banner Elk with a 245-member golf cap and a private jetport. Diamond Creek is the Tom Fazio referral-only at roughly twenty estate homes. We walk the comparison in person and document the membership letter timing on the first visit.
Is short-term rental permitted in Linville Ridge?
The CC&Rs at Linville Ridge materially restrict short-term rental. Long-term lease terms are generally permitted with restrictions; short-term vacation-rental income models do not fit the community. Buyers chasing rental income should not target Linville Ridge as an investment play. Read the current governing documents before writing an offer; the specific minimum lease term, owner-occupancy expectations, and exception process should be confirmed in writing as part of due diligence.
11 / 11

File a Working Inquiry

Beacon Ridge Realty · Connelly Springs, NC

Linville Ridge is a 1,800-acre gated community at roughly five thousand feet with a published two-tier membership at Linville Ridge Country Club and a non-member ownership path that about one in three households takes. Inventory is shown by appointment. The working starting point is a conversation about the use pattern — year-round, summer-primary, or seasonal — and the membership intent. That conversation drives every other decision on the file.

Sister pages in the series: Grandfather Golf, Banner Elk, Elk River Club, Diamond Creek, Mountain Air, and About the firm.

Beacon Ridge Realty · NC firm license · Lindsay Philyaw, Broker-in-Charge, NC #340321 · 2856 Sides Ave, Connelly Springs, NC 28612 · equal housing opportunity · Working with Real Estate Agents (WWREA) brochure provided at first substantial contact · Owner Agency Disclosure (OAD) on representation