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206 Lakeridge Rd, Lake Lure, NC, 28746

4beds
2baths
1,909sqft
$1,675,000
$877price/sqft
$10,320/moest. monthly cost
$412,800/yrincome needed

About This Home

Location, location, location! Beautiful lakefront home, located at the end of Lakeridge Road brings a private setting that is seldom found on Lake Lure. This 4 bedroom 2 bath home comes fully furnished and is move in ready. Inside you will find a kitchen that is only steps away from a spacious covered stone porch that overlooks the lake and is ideal for entertaining. The main floor features two bedrooms, one bath, kitchen, dining, laundry and an inviting living room with a vaulted ceiling and a gas log fireplace. Upstairs you will find the primary bedroom, bathroom and a guest bedroom. The roof of the boathouse features an expansive deck ideal for sunbathing and delivers breath taking views of the lake and the mountains. The private dock below is perfect for boating, swimming and fishing. Just 13 steps to the top of the boat house and 11 more to the bottom. Boat house has a boat lift. This property is located a short distance to a number of restaurants, shopping, Apple Valley Golf Course and Bald Mountain Golf Course . Don't miss out on this beautiful lake home priced below the recent appraised value. Whether you are looking for a private home or a vacation rental property, this is a home that you must see!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Pinnacle Elementary SchoolGrades PK-510.9 mi
4/10
R-S Middle SchoolGrades 6-812.7 mi
4/10
R-S Central High SchoolGrades 9-1212.9 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Crawl Space
  • Construction materials: Aluminum,Fiber Cement,Hardboard Siding,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Dining Area

  • Level: Main

Features

  • Door features: Sliding Doors
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 1,909

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,909
  • Total interior livable area: 1,909 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 1606867
  • Zoning: L30B
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered
  • Has view: Yes
  • View description: Mountain(s),Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • Waterbody name: Lake Lure

Lot

  • Lot size: 0.38 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

  • 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 $8,469$101,628
Home Insurance *$534$6,408
Property Taxes $1,117$13,404
Electricity $200$2,405
Total$10,320$123,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$353,828/yr
40% on housing$309,600/yr
45% on housing$275,200/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

$877This listing

vs Other Active Listings

Avg $/sqft

ZIP 28746$273
Rutherford County$223

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
2026-05-08Price change$1,675,000
2026-04-24Listed for sale$1,775,000

For Sale by Agent

AgentLola Barnes
BrokerageOdean Keever & Associates, Inc.

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