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137 Amys Ridge Rd, Lake Lure, NC, 28746

2beds
2baths
1,626sqft
$359,900
$221price/sqft
$2,286/moest. monthly cost
$91,440/yrincome needed

About This Home

Tucked among the trees in the desirable Riverbend community of Lake Lure, this inviting log cabin offers the mountain lifestyle you've been dreaming of. From the moment you arrive, you'll appreciate the natural setting, rustic craftsmanship, and welcoming atmosphere that make this home so special. Inside, rich wood accents and a beautiful stone fireplace create a warm and comfortable gathering space, perfect for cozy evenings with family and friends. The two-bedroom, two-bath layout is thoughtfully designed for relaxing weekends, family vacations, or everyday living. Step outdoors to enjoy the best of mountain life with morning coffee on the front porch, cookouts and entertaining on the spacious back deck, and peaceful evenings under the stars surrounded by nature's beauty. Whether you're searching for a personal mountain retreat, a full-time residence, or a property with income-producing potential, this cabin offers exceptional flexibility. Its desirable location, charming character, and appeal as a vacation destination create exciting opportunities for short-term or seasonal rental use, subject to applicable regulations and community guidelines. This is more than a cabin. It's a place to slow down, recharge, and make memories for years to come. Don't miss the opportunity to own your own slice of mountain paradise in Riverbend. Schedule your private showing today.

Getting Around

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

Schools

4/10
4/10
R-S Middle SchoolGrades 6-811.2 mi
4/10
R-S Central High SchoolGrades 9-1211.2 mi

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Metal
  • Construction materials: Log

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Oven,Washer/Dryer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Sump Pump,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Features

  • Door features: Storm Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Laminate,Tile
  • Fireplace features: Family Room,Gas
  • Finished area below ground: 534
  • Finished area above ground: 1,092

Heating & Cooling

  • Heating features: Baseboard,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,092
  • Total interior livable area: 1,626 sqft

Living Room

  • Level: Main

Property

Details

  • Parcel number: 1600255
  • Zoning: None
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.98 Acres
  • Features: Sloped,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Strong Wind
Cold Wave
Landslide
Lightning
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 $1,819$21,828
Home Insurance *$114$1,368
Property Taxes $153$1,836
Electricity $200$2,405
Total$2,286$27,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,377/yr
40% on housing$68,580/yr
45% on housing$60,960/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

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 28746$285
Rutherford County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 28746$284
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
2026-06-14Listed for sale$359,900
2026-04-19Listing removed$375,000
2025-05-03Listed for sale$375,000

For Sale by Agent

AgentWendy Cycenas
BrokerageWeichert Realtors Mountain Executives

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