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192 W Court St, Rutherfordton, NC, 28139

7beds
4baths
3,880sqft
$390,000
$101price/sqft
$2,763/moest. monthly cost
$110,520/yrincome needed

About This Home

Oh if these walls could talk! Rich with history and charm, this timeless treasure is located in the heart of downtown Rutherfordton and will take you back to yesteryear with it's refreshing grace and beauty. Listed on The National Historic Homes Registry, the Cedar Inn was a boarding home for over a century and the town's first pharmacy. While the home is grand and spacious it also has a cozy and inviting feel from the preserved heart pine wood floors, original door knobs, windows and custom moldings. On the main level, the stately foyer gives access to multiple living spaces and a stairwell to the upper level. Upstairs you will find spacious bedrooms and abundant storage. The outdoor living spaces are equally impressive with the oversized covered front porch and fenced back yard that is almost completely shaded by mature trees and landscaping. Adding to the value of this stately residence is the completely new HVAC system (2024). This magnificent home would make a wonderful bed and breakfast or gathering space for large families or groups.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
4/10
R-S Middle SchoolGrades 6-81.8 mi
4/10
R-S Central High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1860

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Refrigerator
  • Laundry features: Utility Room

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2
  • Main level bedrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Breakfast Bar,Built-in Features,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Parquet,Tile,Wood
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 3,880

Heating & Cooling

  • Heating features: Ductless,Electric,Heat Pump
  • Cooling features: Ductless,Electric,Heat Pump

Interior Area

  • Total structure area: 3,880
  • Total interior livable area: 3,880 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1204798
  • Zoning: C1
  • Special condition: Standard
  • Exclusions: Draperies,Roads

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Enclosed,Front Porch,Rear Porch,Screened
  • Fencing: Back Yard

Lot

  • Lot size: 0.48 Acres
  • Features: Cleared,Level,Wooded

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached Garage,On Street,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
    Strong WindVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Ice Storm
Lightning
Cold Wave
Inland Flooding
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 $1,972$23,664
Home Insurance *$142$1,704
Property Taxes $288$3,456
Electricity $361$4,336
Total$2,763$33,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,731/yr
40% on housing$82,890/yr
45% on housing$73,680/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

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 28139$194
Rutherford County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 28139$192
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)

Price History

DateEventPrice
2026-04-27Price change$410,000
2026-03-20Listed for sale$420,000
2025-08-07Listing removed$368,000
2025-06-25Listed for sale$368,000
2025-06-12Listing removed$377,000
2025-05-28Price change$377,000
2025-04-03Listed for sale$379,000
2025-02-17Listing removed$359,900
2024-12-18Price change$359,900
2024-12-02Listed for sale$369,900
2022-04-06Sold$270,000
2022-02-11Listed for sale$290,000
2012-08-07Listing removed$264,000
2012-06-25Price change$264,000
2011-03-25Listed for sale$275,000

For Sale by Agent

AgentSandy Campbell
BrokerageAsheworth Group WNC Real Estate LLC

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