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181 Highland Hts, Lake Lure, NC, 28746

5beds
4baths
3,093sqft
$784,500
$254price/sqft
$5,027/moest. monthly cost
$201,080/yrincome needed

About This Home

Experience mountain living in this stunning log home in prestigious Highland Heights at Rumbling Bald on Lake Lure. Crafted w/ grand, rustic logs, the home blends elegance & comfort. Enjoy easy access to Rumbling Bald’s amenities, including the marina, private lake access, indoor rec center, spa, indoor/outdoor pools, 2 - championship golf courses, & more—perfect for relaxation & adventure. A spacious front deck invites you into the great room centered around a stone fireplace. The open layout flows into a screened enclosed porch/den off the dining area. The main level offers single-level living w/ primary & adjacent bath, laundry & large kitchen. Upstairs, a lofted study overlooks the great room, guest BR en suite & a 2nd primary w/ jetted tub & shower to provide a luxurious retreat. The fully finished basement w/ garage features 2 additional bedrooms, a bonus room, cozy den, & half bath. Covered porches on both levels offer serene outdoor living spaces to soak in the surroundings.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Pinnacle Elementary SchoolGrades PK-510.7 mi
4/10
R-S Middle SchoolGrades 6-813.5 mi
4/10
R-S Central High SchoolGrades 9-1213.5 mi

Construction

Condition

  • Year built: 2002

Materials

  • Roof: Composition
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Range,Exhaust Fan,Microwave,Refrigerator with Ice Maker,Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Basement Garage Door,Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Door features: French Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Great Room,Wood Burning
  • Finished area below ground: 934
  • Finished area above ground: 2,159

Great Room

  • Features: Cathedral Ceiling(s)
  • Level: Main
  • Area: 533.25
  • Dimensions: 21' 4" X 25' 0"

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,159
  • Total interior livable area: 3,093 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1631118
  • Zoning: R3
  • Special condition: Standard

Features

  • Levels: Two and a Half
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Deck,Porch,Rear Porch,Screened
  • Spa features: Community
  • Has view: Yes
  • View description: Long Range,Mountain(s),Winter
  • Waterfront features: Boat Ramp – Community,Paddlesport Launch Site
  • Waterbody name: Lake Lure

Lot

  • Lot size: 0.81 Acres
  • Features: Paved,Sloped,Wooded,Views

Parking

  • Total spaces: 7
  • Parking features: Circular Driveway,Attached Garage,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Strong Wind
Cold Wave
Landslide
Lightning
Tornado

FEMA Declared Disasters in Rutherford County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,966$47,592
Home Insurance *$250$3,000
Property Taxes $523$6,276
Electricity $288$3,456
Total$5,027$60,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,354/yr
40% on housing$150,810/yr
45% on housing$134,053/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 28746$283
Rutherford County$227

vs Homes Sold Last Month

Median $/sqft

ZIP 28746$284
Rutherford County$196

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-07-06Price change$784,500
2024-09-25Listed for sale$829,500

For Sale by Agent

AgentThomas McKay
BrokeragePinnacle Sothebys International Realty

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