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206 Big Rock Ln, Lake Lure, NC, 28746

4beds
4baths
4,296sqft
$1,225,000
$285price/sqft
$7,616/moest. monthly cost
$304,640/yrincome needed

About This Home

Stunning custom log home nestled on over 3 acres in the shadow of Rumbling Bald Mountain, offering nearly 4,300 square feet of beautifully crafted living space----an ideal base camp for all your mountain adventures. This spacious retreat features 4 bedrooms, 3.5 bathrooms, and a bonus bunk room, providing plenty of room for family and guests. The living room showcases soaring lofted ceilings that create a sense of grandeur while highlighting the natural beauty of the home's log construction. A large, well-appointed kitchen with stainless steel appliances is perfect for hosting family dinners or entertaining on warm summer evenings. Built with full-sized logs, this home offers a solid, grounded feel that blends seamlessly with its private wooded surroundings. Outdoor living is just as impressive, with a near wraparound porch and a stone patio extending from the walkout basement-----perfect for relaxing or gathering with friends. The property borders Chimney Rock State Park, giving you direct access to over 2,500 acres of protected land, while still being just minutes from the dining, entertainment, and attractions of Lake Lure. Currently an active short-term rental......so showings can be a challenge. Offered at $1,225,000.

Getting Around

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

Schools

4/10
Pinnacle Elementary SchoolGrades PK-511.5 mi
4/10
R-S Middle SchoolGrades 6-814.4 mi
4/10
R-S Central High SchoolGrades 9-1214.3 mi

Construction

Condition

  • Year built: 2008

Materials

  • Construction materials: Log,Stone

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Interior Entry

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Basement

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Basement

Features

  • Breakfast Bar,Built-in Features,Open Floorplan
  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas Log,Living Room
  • Finished area below ground: 1,650
  • Finished area above ground: 2,646

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump

Interior Area

  • Total structure area: 2,646
  • Total interior livable area: 4,296 sqft

Laundry

  • Level: Basement

Living Room

  • Level: Main

Loft

  • Level: Upper

Other

  • Level: Upper

Primary Bedroom

  • Level: Main

Primary Bedroom

  • Level: Basement

Recreation Room

  • Level: Basement

Property

Details

  • Parcel number: 1658410
  • Zoning: R-3
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Covered,Deck,Front Porch,Patio,Side Porch
  • Spa features: Community

Lot

  • Lot size: 3.11 Acres
  • Features: Adjoins Forest,Cul-De-Sac,Private,Sloped,Wooded

Parking

  • Parking features: Driveway
  • 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

  • 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 $6,194$74,328
Home Insurance *$390$4,680
Property Taxes $632$7,584
Electricity $400$4,801
Total$7,616$91,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$261,120/yr
40% on housing$228,480/yr
45% on housing$203,093/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

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 28746$283
Rutherford County$227

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
2026-07-09Listed for sale$1,225,000
2024-05-22Sold$980,000
2024-04-25Listed for sale$1,000,000
2020-11-10Sold$665,000
2020-08-19Pending sale$686,500
2020-03-10Price change$686,500
2020-03-03Listed for sale$724,000
2019-11-01Listing removed$724,000
2019-07-30Price change$724,000
2018-06-19Listed for sale$729,000
2012-07-06Listing removed$725,000
2012-06-03Listed for sale$725,000
2012-03-26Sold$640,000
2011-09-30Listed for sale$725,000
2011-06-11Listing removed$799,900
2011-03-28Listed for sale$799,900

For Sale by Agent

AgentDavid Caulder
BrokerageCaulder Realty & Land Co.

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