If you head toward SC on 28, when you get to Highlands, NC go straight at the light instead of turning right on 28. This will be Horse Cove Road. It's not very long, but it's a great ride. If you don't do gravel, turn around and ride back to Highlands when Horse Cove starts to flatten out. If you do gravel, you can make the first right turn on to a forest service road (forget the number, but it's marked) and that will take you to Rich Gap Road which leads back to 28.
28/64 from Franklin to Highlands can be slow, especially on weekends. Just before the road gets twisty and goes up hill, look for Buck Creek Road on the left. Buck Creek is a nice alternative to 28/64 into Highlands.
I'm local and moved here for the riding. Let me know if I can answer any questions.