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634 Rutherford Road, Marion, NC, 28752

4beds
3baths
2,684sqft
$489,000
$182price/sqft
$3,151/moest. monthly cost
$126,040/yrincome needed

About This Home

The living room, den and dining room are large for family gatherings & entertainment. The floors are original w/character & have recently been refinished. The half bath upstairs remains vintage! There is a large closet upstairs for linen, etc. To the side of one of the bedrooms upstairs is a door to a partial attic with no stairs. The roof is standing seam commercial grade metal, as is the garage. The fireplace has an Ashley insert which can heat the entire house! This spacious home has large rooms w/natural light throughout. One of the downstairs baths is also the laundry room/mud room. The lot is very LEVEL from front to back w/a fenced area in the back portion. The upstairs of the garage is open for ample storage. There's power to the building. There are 2 covered porches. One on the back and one on the side of the house. The new windows are by JOYCE and have a lifetime warranty that is transferrable to new owner. The two heat pumps were installed in 2021.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

4/10
Marion Elementary SchoolGrades PK-50.9 mi
3/10
Mcdowell High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1947

Materials

  • Roof: Metal
  • Construction materials: Brick,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Exhaust Fan,Electric Range,Electric Water Heater,Disposal,Microwave Hood Fan,Microwave,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup,Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Attic
  • Window features: Screens
  • Fireplace features: Masonry,Wood Burning,Insert,Wood BurningStove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,684

Heating & Cooling

  • Heating features: Electric,Heat Pump,Hot Water
  • Cooling features: Central Air,Heat Pump,2 Units

Interior Area

  • Total structure area: 2,393
  • Total interior livable area: 2,684 sqft

Property

Details

  • Parcel number: 170112853075
  • Zoning description: R2

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered
  • Exterior features: Storage,Gravel Driveway

Lot

  • Lot size: 0.33 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached,Garage,One Car Garage,Gravel,Private
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Cold Wave
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in McDowell 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 $2,472$29,664
Home Insurance *$186$2,232
Property Taxes $244$2,928
Electricity $249$2,999
Total$3,151$37,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,034/yr
40% on housing$94,530/yr
45% on housing$84,026/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 28752$170
McDowell County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 28752$194
McDowell County$232

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
2025-04-09Listed for sale$489,000

For Sale by Agent

AgentMartha Piercy
BrokerageRare Earth Realty, Llc

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