496 Spindale St, Spindale, NC, 28160
About This Home
Don't miss the opportunity to make this charming bungalow your very own. This cozy two-bedroom, one-bathroom home is ready for all your grand ideas—a large living room with an abundance of natural light. The sizable kitchen is spacious enough for an island and features a charming pantry with ample shelving. The yard is level and manageable. The exterior features vinyl siding, a metal roof, and updated windows. Natural gas is available for a wall and floor heater, but there is no air conditioning. Home is within walking distance of downtown shops and restaurants. The outbuilding in the back could be brought up to speed to be used for tons of storage, woodworking, or extra hangout space. The court must approve any accepted offer.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Foundation: Crawl Space
- Roof: Metal
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: None
- Laundry features: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 892
Heating & Cooling
- Heating features: Natural Gas,Other
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 892
- Total interior livable area: 892 sqft
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 1203136
- Zoning: R-43
- Special condition: Third Party Approval
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.17 Acres
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
- Strong Wind
- Ice Storm
- Lightning
- Tornado
- Cold Wave
- Earthquake
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Rutherford County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $475 | $5,700 |
| Home Insurance * | $55 | $660 |
| Property Taxes | $100 | $1,200 |
| Electricity | $200 | $2,405 |
| Total | $830 | $9,960 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-30 | Price change | $94,000 |
| 2025-12-03 | Price change | $99,000 |
| 2025-11-23 | Price change | $109,000 |
| 2025-10-22 | Price change | $119,000 |
| 2025-09-13 | Listed for sale | $130,000 |
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