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129 Pine St, Rutherfordton, NC, 28139

4beds
4baths
2,080sqft
$200,000
$96price/sqft
$1,331/moest. monthly cost
$53,240/yrincome needed

About This Home

Attention investors, renovators, and visionaries! Step back in time with this 125-year-old historic home located in the heart of Rutherfordton. Once a grand residence showcasing timeless craftsmanship and character, this 5-bedroom, 2.5-bath home is ready for its next chapter. While the property requires significant renovation, the solid foundation and sturdy original floors provide an excellent starting point for a complete restoration. From the spacious layout to the architectural charm waiting to be uncovered, this home offers incredible potential for those with the vision to bring it back to life. Conveniently located near downtown shops, restaurants, and local amenities, this is a rare opportunity to restore a piece of Rutherfordton's history and create something truly special. Priced to move, this is an exceptional opportunity for investors or buyers looking to build equity through renovation.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
4/10
R-S Middle SchoolGrades 6-81.9 mi
4/10
R-S Central High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Crawl Space,Pillar/Post/Pier
  • Roof: Aluminum,Metal
  • Construction materials: Aluminum,Brick Partial,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Exhaust Fan,Exhaust Hood,Oven,Refrigerator
  • Laundry features: Electric Dryer Hookup,Utility Room,Main Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Features

  • Fireplace features: Den,Family Room,Kitchen,See Through,Wood Burning
  • Finished area below ground: 0
  • Finished area above ground: 2,080

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 2,080
  • Total interior livable area: 2,080 sqft

Kitchen

  • Features: Built-in Features,Ceiling Fan(s)
  • Level: Main
  • Dimensions: 0' 0" X 0' 0"

Property

Details

  • Parcel number: 1207236
  • Zoning: RESI
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Enclosed,Front Porch,Rear Porch

Lot

  • Lot size: 0.51 Acres
  • Features: Cleared,Level,Open Lot,Private,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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 $1,011$12,132
Home Insurance *$73$876
Property Taxes $47$564
Electricity $200$2,405
Total$1,331$15,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,634/yr
40% on housing$39,930/yr
45% on housing$35,493/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

$96This 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)

No zestimate history available

Price History

DateEventPrice
2026-07-27Listed for sale$200,000
1990-01-04Sold$1,000

For Sale by Agent

AgentDave Long
BrokerageMellnik Real Estate Services

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