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1943 Big Island Rd, Rutherfordton, NC, 28139

5beds
3baths
1,200sqft
$385,000
$321price/sqft
$2,496/moest. monthly cost
$99,840/yrincome needed

About This Home

Are you looking for a family compound? This property has 4 1/2 un restricted acres (3 Lots), 2 houses, and 1 RV Hook-Up site! Multiple Homes For Sale!! The main house is a 1940's stone cottage (1953 Big Island) with 2 bedrooms, 1 bathroom, living room, dining room, 1200 SQFT and has been completely updated!! (Super nice!!) The 2nd house is a manufactured doublewide on a permanent foundation with 3 bedrooms, 2 bathrooms, living room, dining room and has 1512 SQFT. The doublewide has been recently painted, has LVP flooring throughout, and butcher block countertops!! Each home has its own septic tank and well. Located on Big Island Rd, in the country, this property would work great for buyers needing 2 living spaces, or for an investor looking for a few rentals. Separate RV Pad is great for guests or a 3rd resident. Vacant lot on the corner was the old site of general store!! Public Water available along Big Island, for future development. Plenty of room for future expansion!! Owners would rather sell all together, but would consider separate transactions with the right offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
Harris Elementary SchoolGrades PK-51.7 mi
4/10
Chase Middle SchoolGrades 6-84.3 mi
6/10
Chase High SchoolGrades 9-124.5 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Crawl Space
  • Roof: Architectural
  • Construction materials: Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range,Electric Water Heater
  • Laundry features: 1st Floor,Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Solid Surface Counters
  • Flooring: Laminate
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,200

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,200 sqft

Property

Details

  • Parcel number: 1627867

Features

  • Levels: One
  • Patio & porch: Deck,Porch
  • Topography of land: Level
  • Living area range: 1200-1399

Lot

  • Lot size: 4.52 Acres
  • Features: Corner Lot,Level

Parking

  • Total spaces: 5
  • Parking features: Carport,Detached,Detached Garage - 3-4 Car,Garage,Workshop in Garage,Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5
  • Carport: 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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Ice Storm
Lightning
Cold Wave
Hail
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 $1,946$23,352
Home Insurance *$141$1,692
Property Taxes $209$2,508
Electricity $200$2,405
Total$2,496$29,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,577/yr
40% on housing$74,880/yr
45% on housing$66,560/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

$321This listing

vs Other Active Listings

Avg $/sqft

ZIP 28139$191
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)

Price History

DateEventPrice
2026-02-24Listed for sale$385,000
2004-04-21Sold$26,000

For Sale by Agent

AgentJeremy S Wood
BrokerageSC NC REALTY

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