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217 E Miller St, Spindale, NC, 28160

4beds
3baths
3,823sqft
$399,900
$105price/sqft
$3,016/moest. monthly cost
$120,640/yrincome needed

About This Home

Professional Pictures Coming Soon.... Tucked away at the end of a quiet road, this beautifully updated brick home offers the perfect blend of privacy, character, and modern upgrades. Extensively renovated in 2023–2024, the home features significant improvements including updated electrical and plumbing, new insulation for improved efficiency, newer windows, a roof replaced in 2021, and a whole-home generator hookup for added peace of mind. The main level welcomes you with a stunning foyer that opens into a sunken living room featuring vaulted ceilings with exposed beams, a wall of windows that flood the space with natural light, and a cozy wood-burning fireplace with wood stove insert and blower. The beautifully remodeled kitchen serves as the heart of the home, showcasing granite countertops, a new island, new sink, updated lighting, new flooring, and a Thor 6-burner gas gas range. The kitchen flows seamlessly into both a breakfast area and formal dining room, making it ideal for everyday living and entertaining. The main floor offers three spacious bedrooms, including a comfortable primary suite with walk-in closet, along with two fully renovated bathrooms and beautifully refinished hardwood floors throughout. A spacious attached 2 car garage completes the first floor. No more getting wet on those rainy days. Downstairs, the home truly shines with a fully functional second living space, ideal for multi-generational living, guests, or potential rental income. This level features a bright living room with a second wood-burning fireplace, a kitchenette with breakfast area, a newly completed full bathroom, laundry room, and private interior and exterior access including a deck off the living area. Additional unfinished rooms provide abundant storage or potential for future expansion, along with a dedicated mechanical room. The basement has it's own driveway and single car garage. Outdoor living is just as impressive with three new decks, newly poured concrete, and a circular driveway leading to a two-car garage on the main level plus an additional basement garage. The property is beautifully landscaped with established perennials and a variety of fruit-bearing plants including pear, apple, peach, and raspberry bushes, creating a peaceful and productive outdoor setting. Offering space, flexibility, and extensive updates, this home provides a quiet retreat while still being conveniently close to town with access to public utilities and high-speed internet. A rare opportunity for multi-generational living, rental potential, or simply enjoying a spacious and beautifully upgraded home.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

4/10
4/10
R-S Middle SchoolGrades 6-83.9 mi

Construction

Condition

  • Year built: 1974

Materials

  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Microwave,Refrigerator,Wall Oven,Washer/Dryer
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Apartment,Basement Garage Door,Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access,Walk-Up Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Built-in Features,Kitchen Island,Storage,Walk-In Closet(s)
  • Window features: Insulated Windows
  • Fireplace features: Family Room,Insert,Living Room,Wood Burning,Wood Burning Stove
  • Finished area below ground: 1,400
  • Finished area above ground: 2,423

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,423
  • Total interior livable area: 3,823 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 426428
  • Zoning: R-6
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio,Porch

Lot

  • Lot size: 0.72 Acres
  • Features: Cul-De-Sac,Orchard(s)

Parking

  • Total spaces: 3
  • Parking features: Basement,Circular Driveway,Driveway,Attached Garage,Garage Door Opener,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Ice Storm
Lightning
Tornado
Cold Wave
Earthquake
Inland Flooding

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 $2,022$24,264
Home Insurance *$235$2,820
Property Taxes $403$4,836
Electricity $356$4,272
Total$3,016$36,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,405/yr
40% on housing$90,480/yr
45% on housing$80,426/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

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 28160$109
Rutherford County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 28160$142
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$455,000
2026-03-11Listed for sale$459,900
2021-09-24Sold$165,000
2021-09-06Contingent$190,000
2021-08-31Price change$190,000
2021-08-18Price change$220,000
2021-07-20Price change$210,000
2021-06-09Listed for sale$225,000
2018-04-30Sold$87,650
2018-02-08Pending sale$99,000
2018-01-10Listed for sale$99,000
2013-04-26Sold$66,500
2013-02-14Price change$75,000
2013-01-23Price change$89,900
2012-12-27Price change$102,900
2012-12-04Price change$108,300
2012-11-05Listed for sale$116,000
2012-10-29Sold$110,613

For Sale by Agent

AgentAngelia Peterson
BrokerageAsheworth Group WNC Real Estate LLC

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