146 Major Fergusons Hl, Rutherfordton, NC, 28139
About This Home
Nestled on ~1.9 acres in the mature rural subdivision of Gilbertown near Rutherfordton, this beautifully updated 5-bedroom, 5 full bath (and 2 half bath) home offers the perfect blend of space, privacy, and modern comfort. Please note that an additional 2-3 rooms could have beds added! Thoughtfully updated, the home features generous living areas, numerous well-appointed bedrooms, and multiple bathrooms designed for both convenience and style. Outside, enjoy the ~500 sq ft of deck, both covered and uncovered. The fully fenced back yard provides an ideal setting for pets, play, or peaceful outdoor living, with plenty of room to enjoy the surrounding rural atmosphere. You'll also find a detached two-stall garage offering ample space for extra vehicles, storage, or hobby use. Located in a quiet, established neighborhood minutes from restaurants, grocery, and healthcare, this property delivers the tranquility of country living while offering a refined, move-in-ready residence on nearly two acres—an exceptional opportunity in the desirable Gilbertown community.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2000
Materials
- Foundation: Slab
- Construction materials: Hardboard Siding,Stone,Vinyl
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Down Draft,Electric Oven,Exhaust Fan,Exhaust Hood,Filtration System,Gas Cooktop,Ice Maker,Microwave,Oven,Plumbed For Ice Maker,Refrigerator,Refrigerator with Ice Maker,Self Cleaning Oven
- Laundry features: Common Area,Electric Dryer Hookup,Mud Room,Utility Room,Inside,Laundry Room,Main Level,Sink,Washer Hookup
Basement
- Has basement: Yes
- Basement: Basement Shop,Finished,Full,Storage Space,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 7
- Full bathrooms: 5
- 1/2 bathrooms: 2
- Main level bedrooms: 3
Features
- Flooring: Tile,Wood
- Fireplace features: Family Room,Fire Pit,Gas Log,Gas Starter,Gas Vented,Great Room,Propane
- Finished area below ground: 524
- Finished area above ground: 3,680
Heating & Cooling
- Heating features: Electric,Forced Air,Heat Pump
- Cooling features: Ceiling Fan(s),Central Air,Electric,Heat Pump,Zoned
Interior Area
- Total structure area: 3,680
- Total interior livable area: 4,204 sqft
Living Room
- Features: Cathedral Ceiling(s),Ceiling Fan(s)
- Level: Main
- Dimensions: 0' 0" X 0' 0"
Property
Accessibility
- Accessibility features: Two or More Access Exits
Details
- Parcel number: 1628983
- Zoning: RESI
- Special condition: Standard
- Exclusions: Front porch swing,mirror in stairway
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Covered,Deck,Front Porch,Porch,Rear Porch,Screened,Side Porch,Wrap Around
- Exterior features: Fire Pit
- Fencing: Back Yard,Chain Link
Lot
- Lot size: 1.87 Acres
- Features: Cleared,Cul-De-Sac,End Unit,Rolling Slope,Wooded
Parking
- Total spaces: 2
- Parking features: Driveway,Attached Garage,Detached Garage,Garage Door Opener,Garage Faces Front,Garage Shop,Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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
- Strong Wind
- Ice Storm
- Lightning
- Cold Wave
- Inland Flooding
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Rutherford County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,665 | $43,980 |
| Home Insurance * | $265 | $3,180 |
| Property Taxes | $338 | $4,056 |
| Electricity | $391 | $4,698 |
| Total | $4,659 | $55,908 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-16 | Price change | $740,000 |
| 2026-01-29 | Listed for sale | $750,000 |
| 2022-03-21 | Sold | $455,000 |
| 2022-02-08 | Contingent | $499,000 |
| 2021-12-29 | Price change | $499,000 |
| 2021-10-22 | Price change | $549,000 |
| 2021-09-10 | Price change | $580,000 |
| 2021-08-20 | Price change | $585,000 |
| 2021-07-18 | Listed for sale | $600,000 |
| 2021-07-09 | Listing removed | -- |
| 2021-07-05 | Listed for sale | $625,000 |
| 2011-03-18 | Sold | $230,000 |
| 2000-11-17 | Sold | $205,000 |
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