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For sale
  • $3,895,000

    120 Split Rail Row, Highlands, NC 28741

    3beds
    --sqft
    : 
    Single Family Residence
    Built in 1998
    1.72 Acres Lot
    $3,636,400 Zestimate®
    $--/sqft
    $-- HOA

    What's special

    Custom plaster wallsReclaimed beamsLight-filled open floor planCustom steel-and-glass entry doorStacked-stone wall features
    Welcome to 120 Split Rail Row, where luxury meets livability in one of Highlands' most coveted in-town locations. Lovingly and thoughtfully reimagined, this distinctive residence blends elevated design with the functionality of today's lifestyle demands. The expansive main level lives beautifully for a couple, while private guest suites occupy two separate upper-level wings - offering exceptional privacy for family and friends. A custom steel-and-glass entry door opens into a light-filled, open floor plan anchored by a dramatic stacked-stone fireplace in the Great Room. The dining area flows seamlessly into the newly remodeled chef's kitchen, appointed with top-of-the-line appliances including a La Cornue range, Sub-Zero 48" refrigerator, Wolf steam oven, speed oven, and two dishwashers. Custom cabinetry crafted in Oklahoma surrounds a statement island featuring a walnut countertop with quartzite inlay - a true centerpiece for gathering. A newly completed primary retreat offers an extraordinary his and her suite concept, featuring separate bedrooms and individual luxury baths. The suite features a desk niche, stacked-stone wall features, custom plaster walls, reclaimed beams, ceilings that include plaster, tongue-and-groove, and vaulted. A serene sunroom, with floor to ceiling windows, connects you to the two spaces and overlooks the terrace and lush gardens beyond. The large porch completes the main living area with IPE hardwood flooring, another stacked-stone fireplace, pine tongue-and-groove ceiling, and SAVNAC canvas window coverings for year-round enjoyment. Upstairs, one guest suite features a private staircase and bath, while the suite above the garage offers its own staircase, bedroom, den, and private bath - ideal for extended guests or multigenerational living. Outdoors, Tennessee fieldstone pathways and patios wind through beautifully designed gardens enhanced with over 160 native plants and trees. Built-in wood and stone benches provide peaceful spaces for meditation or bird watching, while extensive rock walls add timeless mountain character. Approximate square footage is 4,000 per owner. Extra flex room that can be used for sleeping.
    19 days
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    619
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    42
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    Zillow last checked: 7 hours ago

    Listing updated: March 18, 2026 at 07:48am

    Listed by:

    Josephine Lovell,

    Highlands Sotheby's International Realty - DT

    Source: HCMLS,MLS#: 1002720Originating MLS: Highlands Cashiers Board of Realtors

    Tour with a local agent

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 5
      • Full bathrooms: 4
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: Main
      Bedroom 2
      • Level: Upper
      Bedroom 3
      • Level: Upper
      Dining room
      • Level: Main
      Kitchen
      • Level: Main
      Living room
      • Level: Main
      Other
      • Level: Upper
      Heating
      • Central, Gas
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Built-In Refrigerator, Dryer, Dishwasher, Disposal, Ice Maker, Microwave, Range, Refrigerator, Washer
      • Laundry: Washer Hookup, Dryer Hookup
      Features
      • Built-in Features, Ceiling Fan(s), Jetted Tub, Vaulted Ceiling(s)
      • Flooring: Carpet, Tile, Wood
      • Basement: Crawl Space
      • Number of fireplaces: 2
      • Fireplace features: Living Room, Outside, Stone, Wood Burning
      Interior area
      • Living area range: 4001-4500 Square Feet

      Property

      Parking
      • Total spaces: 2
      • Parking features: Attached, Garage, Two Car Garage, Garage Door Opener, Gravel
      • Garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Rear Porch, Deck, Front Porch, Porch
      • Exterior features: Garden
      • Has view: Yes
      • View description: Trees/Woods
      • Waterfront features: None
      Lot
      • Size: 1.72 Acres
      • Features: Level, Partially Cleared, Wooded, Rolling Slope
      • Topography: Rolling
      Details
      • Parcel number: 7550214046
      • Zoning description: Residential

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Traditional
      • Property subtype: Single Family Residence
      Materials
      • Frame, Stone, Wood Siding
      • Roof: Metal
      Condition
      • New construction: No
      • Year built: 1998

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Public
      • Utilities for property: Electricity Connected, None

      Community & HOA

      Community
      • Security: Security System
      • Subdivision: Split Rail
      HOA
      • Has HOA: No
      Location
      • Region: Highlands

      Financial & listing details

      • Tax assessed value: $1,757,780
      • Annual tax amount: $6,998
      • Date on market: 3/14/2026
      • Cumulative days on market: 20 days
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        Estimated market value

        $3,636,400

        $3.45M - $3.82M

        $4,694/mo

        Price history

        Price history
        DateEventPrice
        3/14/2026Listed for sale$3,895,000+499.2%
        Source: HCMLS #1002720 Report a problem
        9/27/2017Sold$650,000-7%
        Source: HCMLS #86395 Report a problem
        8/26/2017Pending sale$699,000
        Source: Pat Allen Realty Group, Inc. #86395 Report a problem
        8/23/2017Listed for sale$699,000
        Source: Pat Allen Realty Group, Inc. #86395 Report a problem
        7/25/2017Pending sale$699,000
        Source: Pat Allen Realty Group, Inc. #86395 Report a problem
        6/27/2017Price change$699,000-16.3%
        Source: Pat Allen Realty Group, Inc. #86395 Report a problem
        6/5/2017Listed for sale$834,900
        Source: Highlands Sotheby's International Realty #84243 Report a problem
        4/18/2017Listing removed$834,900
        Source: Highlands Sotheby's International Realty #84243 Report a problem
        2/20/2017Listed for sale$834,900
        Source: Highlands Sotheby's International Realty #84243 Report a problem
        1/16/2017Listing removed$834,900
        Source: Highlands Sotheby's International Realty #84243 Report a problem
        6/21/2016Listed for sale$834,900-12.1%
        Source: HIGHLANDS SOTHEBY'S INTERNATIONAL REALTY #84243 Report a problem
        11/28/2015Listing removed$950,000
        Source: COUNTRY CLUB PROPERTIES #76631 Report a problem
        7/15/2015Price change$950,000-13.6%
        Source: COUNTRY CLUB PROPERTIES #76631 Report a problem
        3/3/2015Listed for sale$1,100,000
        Source: Highlands Real Estate #76631 Report a problem
        1/24/2015Listing removed$1,100,000
        Source: Highlands Real Estate #76631 Report a problem
        3/13/2014Listed for sale$1,100,000
        Source: Highlands Real Estate #76631 Report a problem
        1/24/2014Listing removed$1,100,000
        Source: Highlands Real Estate #76631 Report a problem
        3/1/2013Listed for sale$1,100,000-15.4%
        Source: Highlands Real Estate #76631 Report a problem
        10/25/2012Listing removed$1,300,000
        Source: BULL'S EYE REAL PROPERTY, INC. #75226 Report a problem
        7/9/2011Price change$1,300,000-6.8%
        Source: COUNTRY CLUB PROPERTIES #71274 Report a problem
        7/24/2010Listed for sale$1,395,000
        Source: COUNTRY CLUB PROPERTIES #71274 Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2025$6,998 +19.8%$1,757,780 +20.2%
        2024$5,842 +0.2%$1,462,220
        2023$5,830 +12.4%$1,462,220 +68.9%
        2022$5,185 +24.8%$865,660 +25.5%
        2021$4,154 +6.4%$689,800 +2%
        2020$3,903 +0.3%$676,300
        2019$3,890 +13%$676,300 +5.8%
        2018$3,442 $639,040 -2%
        2017-- $652,190
        2016-- $652,190
        2015$3,511 $652,190 -43.1%
        2014-- $1,146,510
        2013-- $1,146,510
        2012-- $1,146,510
        2011-- $1,146,510
        2010-- $1,146,510

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $20,968/mo
        Principal & interest
        $19572
        Property taxes
        $1396
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