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3012 Polk County Line Rd, Rutherfordton, NC, 28139

6beds
7baths
5,530sqft
$1,450,000
$262price/sqft
$8,990/moest. monthly cost
$359,600/yrincome needed

About This Home

Spectacular 40-acre equestrian estate in the foothills of the Blue Ridge Mountains, just minutes from the Tryon International Equestrian Center. Privacy, craftsmanship, history and location converge in this extraordinary Western North Carolina retreat. Completely hidden from the road and neighboring properties, the main residence rests atop the estate, offering a rare combination of seclusion and accessibility. The upper level features two en-suite bedrooms, including a luxurious primary suite with a spacious spa-inspired bath featuring a jetted soaking tub. Designed for everyday living and entertaining, the main level offers multiple gathering spaces, including two sitting rooms, a fireplace, multiple dining areas and two powder rooms. The updated kitchen features high-end appliances, abundant workspace and a generous pantry. A large rear deck spans the width of the home, creating the ideal setting for outdoor dining and enjoying the surrounding landscape. The walkout lower level provides exceptional flexibility with a recreation room featuring a fireplace, exercise room, workshop and additional finished spaces ideal for guests, hobbies or extended entertaining. A private drive leads to the separate one-bedroom residence featuring a full kitchen, full bath, laundry facilities and wrap-around deck. The lower level includes a three-car garage with individual bays, a half bath, and extra hobby space. Fenced outdoor areas provide a welcoming environment for pets. A fire pit gathering area connects the secondary residence to the impressive 40-by-50-foot four-stall barn, which features large sliding doors, side garage-style doors and direct access to one of four fenced pastures totaling approximately 10 acres. The large hayloft has been transformed into an exceptional entertaining space with a 24-foot table comfortably accommodating large gatherings. Additional amenities include dedicated RV and horse trailer parking with two 220-volt hookups and easy turnaround. The property reflects the rich heritage of Western North Carolina, a region known for its historic gold mining and mountain traditions. The creek bordering the southern boundary highlights the area’s prospecting history. Beyond the estate, enjoy easy access to world-class equestrian events, championship golf, river recreation, wineries, fox hunting, Lake Lure, hiking trails and numerous historic sites throughout the mountains. Furniture, equipment and additional furnishings are available separately, providing a rare opportunity to acquire a turnkey mountain equestrian lifestyle property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
4/10
R-S Middle SchoolGrades 6-86.5 mi
4/10
R-S Central High SchoolGrades 9-127.0 mi

Construction

Condition

  • Year built: 1995

Materials

  • Construction materials: Stone Veneer,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dryer,Electric Range,Electric Water Heater,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Upper Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Interior Entry,Partially Finished,Storage Space

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Basement

Bathroom Full

  • Level: Basement

Bathroom Full

  • Level: 2nd Living Quarters

Bathroom Half

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedroom S

  • Level: 2nd Living Quarters

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 5
  • 1/2 bathrooms: 2

Bonus Room

  • Level: Basement

Bonus Room

  • Level: Basement

Dining Room

  • Level: Main

Family Room

  • Level: Basement

Features

  • Total Primary Heated Living Area: 4530
  • Fireplace features: Family Room,Keeping Room,Living Room,Wood Burning
  • Finished area below ground: 1,481
  • Finished area above ground: 3,049

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,049
  • Total interior livable area: 5,530 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: 2nd Living Quarters

Living Room

  • Level: Main

Living Room

  • Level: 2nd Living Quarters

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 1609638
  • Zoning: None
  • Special condition: Standard
  • Horse amenities: Barn,Hay Storage,Paddocks,Pasture,Stable(s)

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: Fenced
  • Waterfront features: Creek/Stream

Lot

  • Lot size: 40 Acres
  • Features: Pasture

Parking

  • Total spaces: 5
  • Parking features: Attached Garage,Detached Garage,RV Access/Parking,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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 WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Ice Storm
Lightning

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 $7,331$87,972
Home Insurance *$531$6,372
Property Taxes $613$7,356
Electricity $515$6,180
Total$8,990$107,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$308,228/yr
40% on housing$269,700/yr
45% on housing$239,733/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

$262This listing

vs Other Active Listings

Avg $/sqft

ZIP 28139$189
Rutherford County$227

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
2026-06-19Listed for sale$1,450,000
2023-02-17Listing removed--
2023-01-11Listed for sale$1,900,000
2022-12-13Listing removed--
2022-08-17Listed for sale$1,900,000
2015-11-25Sold$500,000
2015-11-11Pending sale$575,000
2015-09-30Listed for sale$575,000
2014-12-19Sold$300,500
2013-08-07Listing removed$595,000
2012-08-08Price change$595,000
2012-01-26Listed for sale$750,000
2011-10-15Listing removed$750,000
2011-04-19Listed for sale$750,000

For Sale by Agent

AgentCaroline Easley
BrokeragePremier Sotheby’s International Realty

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