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485 Frog Creek Rd, Union Mills, NC, 28167

0beds
1baths
576sqft
$2,474,600
$4,296price/sqft
$15,028/moest. monthly cost
$601,120/yrincome needed

About This Home

247.46 Acres | Union Mills, NC | Historic Frontier Cabin | Mountains, Creeks & Pasture There are properties you buy. And then there are properties that find you. This is the latter. Tucked into the mountains of Rutherford County, 247.46 acres of pure, untouched North Carolina waits for the person who's been quietly dreaming of something more — more space, more silence, more life. Not a subdivision lot. Not a neighborhood. Not an HOA newsletter. A place where the only thing on the horizon is mountain views, and the only sound at dusk is water moving over rock. The land has it all: sweeping mountain views that stop you in your tracks, open pasture, hardwood forest, and creek frontage that would make a grown man stop and just breathe. Whether you're a hunter looking for your own private ground, a horseman wanting room to roam, or simply someone who has had enough of the noise — this land meets you where you are. At the heart of it stands a cabin that defies modern time. Built in the 1700s or early 1800s, this cabin features a main room anchored by a beautiful fireplace with a kitchen and full bath. It is a living relic of American frontier life in these mountains. Look closely at the walls and you'll find the original rifle ports — narrow openings hand-cut by the settlers who built this place and defended it. This isn't a cabin that was decorated to feel historic. It is history. It has earned its age. Every notch and worn plank tells a story most people will never get to touch. In a world that moves faster every year — where the headlines are relentless, the cities are louder, and privacy feels like a luxury — land like this has become something else entirely: a refuge. A reset. A place to raise your kids the way you were meant to. To hunt your own ground. To sit on a porch in front of a cabin that was standing before this country was what it is today, and feel something settle inside your chest. The seller will not subdivide. This land sells whole, 247.46 acres, one piece, one legacy, one opportunity. Some things are worth protecting. This is one of them.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
R-S Middle SchoolGrades 6-87.1 mi
4/10
R-S Central High SchoolGrades 9-126.4 mi

Construction

Condition

  • Year built: 1800

Materials

  • Foundation: Crawl Space
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator
  • Laundry features: None

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Fireplace features: Other - See Remarks
  • Finished area below ground: 0
  • Finished area above ground: 576

Heating & Cooling

  • Heating features: Heat Pump,Kerosene
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 576
  • Total interior livable area: 576 sqft

Kitchen

  • Level: Main

Property

Details

  • Parcel number: 117175 +
  • Zoning: Unzoned
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 247.46 Acres

Parking

  • Parking features: 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 WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Inland Flooding
Ice Storm
Landslide
Lightning

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 $12,512$150,144
Home Insurance *$1,010$12,120
Property Taxes $1,306$15,672
Electricity $200$2,405
Total$15,028$180,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$515,245/yr
40% on housing$450,840/yr
45% on housing$400,746/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

$4,296This listing

vs Other Active Listings

Avg $/sqft

ZIP 28167$405
Rutherford County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28167$242
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
2026-06-20Listed for sale$2,474,600
2023-09-14Listing removed--
2023-03-03Listed for sale$1,329,250

For Sale by Agent

AgentNikki Sauvé
BrokerageSauvé Collective

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