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527 N Main St, Rutherfordton, NC, 28139

4beds
3baths
3,248sqft
$559,900
$172price/sqft
$3,752/moest. monthly cost
$150,080/yrincome needed

About This Home

Remarkable home with all the historic charm and all the modern updates combined. Located within easy walking distance to downtown Rutherfordton, parks, walking trails, restaurants, shops, breweries and coffee shops! This home has been updated with a new roof and HVAC system in 2022, totally remodeled Kitchen with modern appliances.Updated bathrooms, custom artwork by local artist in half bath and Kitchen, almost all original wood floors, lots of original antique light fixtures/sconces. Painted inside and out, tankless water system, updated lots of plumbing and electrical. Stunning outdoor areas with plenty of room to add a garden or play and entertainment areas on the 2.37 acre lot. Truly to many wonderful features and updates to mention! A must see to appreciate.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

4/10
4/10
R-S Middle SchoolGrades 6-81.3 mi
4/10
R-S Central High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Gas Range,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Utility Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Sump Pump,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Kitchen Island,Pantry,Storage
  • Flooring: Laminate,Wood
  • Fireplace features: Den,Family Room,Gas,Gas Log
  • Finished area below ground: 0
  • Finished area above ground: 3,248

Heating & Cooling

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

Interior Area

  • Total structure area: 3,248
  • Total interior livable area: 3,248 sqft

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 1204716
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck

Lot

  • Lot size: 2.37 Acres
  • Features: Sloped

Parking

  • Parking features: Circular Driveway,Driveway
  • 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 $2,831$33,972
Home Insurance *$205$2,460
Property Taxes $414$4,968
Electricity $302$3,630
Total$3,752$45,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,640/yr
40% on housing$112,560/yr
45% on housing$100,053/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

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 28139$192
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
2026-05-05Price change$594,900
2026-03-30Listed for sale$599,900
2022-10-19Sold$360,000

For Sale by Agent

AgentNatalie Stamey
BrokerageMatheny Real Estate

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