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1109 Morningstar Lake Rd, Forest City, NC, 28043

3beds
3baths
2,797sqft
$899,000
$321price/sqft
$5,679/moest. monthly cost
$227,160/yrincome needed

About This Home

Exceptional custom-built home offering approximately 2,800 SF of thoughtfully designed living space on 2.64 beautifully landscaped acres in a peaceful rural setting. Quality craftsmanship and attention to detail are evident throughout this 3BR/2.5BA home, featuring hardwood floors, wide moldings, plantation shutters, custom cabinetry and distinctive architectural details. The inviting main living area is highlighted by a gas-log fireplace and impressive coffered ceiling, while an abundance of windows fills the home with natural light. The well-appointed kitchen features custom cabinetry, quartz countertops, a 6-burner gas cooktop, double wall ovens and a spacious pantry. The generous primary suite offers a relaxing retreat with a well-appointed bath featuring a soaking tub and separate tiled walk-in shower. The attractive Hardie-sided exterior is complemented by a welcoming covered front porch overlooking a peaceful pastoral view, large rear patio with firepit, partially fenced backyard and meticulously maintained landscaping. The oversized 3-car attached garage features non-skid epoxy flooring, plus finished interior stairs leading to an expansive unfinished area currently used for storage but offering excellent potential for future living space, a studio or home office. Additional features include a fully encapsulated crawlspace with dehumidifier and concrete driveway. An exceptional custom home offering space, quality and a lovely rural setting—all outside city limits yet convenient to Rutherford County towns and attractions, with Hwy 74 and Hwy 221 just minutes away for easy access throughout the area and beyond.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

6/10
Harris Elementary SchoolGrades PK-52.0 mi
5/10
Chase Middle SchoolGrades 6-81.8 mi
6/10
Chase High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Crawl Space
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Gas Cooktop,Microwave,Refrigerator
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Walk-In Closet(s),Walk-In Pantry
  • Attic: Permanent Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,797

Heating & Cooling

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

Interior Area

  • Total structure area: 2,797
  • Total interior livable area: 2,797 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1642146
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch
  • Exterior features: Fire Pit,Gas Grill
  • Fencing: Fenced,Partial

Lot

  • Lot size: 2.64 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Ice Storm
Lightning
Cold Wave
Earthquake
Hail
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 $4,545$54,540
Home Insurance *$456$5,472
Property Taxes $418$5,016
Electricity $260$3,126
Total$5,679$68,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$194,708/yr
40% on housing$170,370/yr
45% on housing$151,440/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

$321This listing

vs Other Active Listings

Avg $/sqft

ZIP 28043$119
Rutherford County$227

vs Homes Sold Last Month

Median $/sqft

ZIP 28043$153
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
2026-07-21Listed for sale$899,000
2015-10-14Sold$23,000

For Sale by Agent

AgentSherry Reavis
BrokerageRE/MAX Journey

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