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364 Dave Sims Rd, Rutherfordton, NC, 28139

3beds
2baths
1,609sqft
$315,000
$196price/sqft
$2,068/moest. monthly cost
$82,720/yrincome needed

About This Home

RUTHERFORDTON...........Located less than 5 minutes to Rutherford Hospital, this 3 bedroom, 2 bath, ranch on 11.4 unrestricted acres is a wonderful home to raise a family. There's lots of space to play and a nice creek running through the property. There are multiple old barns and open areas. Home is being sold in "as is" condition. Priced at $315,000.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
4/10
R-S Middle SchoolGrades 6-81.3 mi
4/10
R-S Central High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1952

Materials

  • Roof: Composition
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Microwave,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Storage Space,Unfinished

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Dining Area

  • Level: Main

Features

  • Breakfast Bar,Built-in Features
  • Flooring: Linoleum,Wood
  • Fireplace features: Primary Bedroom
  • Attic: Permanent Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,609

Heating & Cooling

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

Interior Area

  • Total structure area: 1,609
  • Total interior livable area: 1,609 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Basement

Living Room

  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1212448
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Screened,Side Porch
  • Fencing: Partial
  • Waterfront features: Creek/Stream

Lot

  • Lot size: 11.46 Acres
  • Features: Cleared,Paved,Wooded

Parking

  • Total spaces: 1
  • Parking features: Attached Carport,Driveway
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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

  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
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 $1,592$19,104
Home Insurance *$115$1,380
Property Taxes $161$1,932
Electricity $200$2,405
Total$2,068$24,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,902/yr
40% on housing$62,040/yr
45% on housing$55,146/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

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 28139$192
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
2026-04-29Price change$265,000
2026-04-29Price change$315,000
2026-04-16Price change$275,000
2026-04-16Listed for sale$325,000

For Sale by Agent

AgentDavid Caulder
BrokerageCaulder Realty & Land Co.

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