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90 Rogers Creek Dr, Bakersville, NC, 28705

4beds
5baths
4,000sqft
$1,700,000
$425price/sqft
$10,531/moest. monthly cost
$421,240/yrincome needed

About This Home

A true statement piece sitting over the bold Little Rock Creek. Enter your personal gate code and park on the beautiful stone drive/entertainment area. Step out of the car to hear the roar of the water. Featuring an outdoor kitchen, waterfall, and hot tub. The beautiful covered porch wraps around for the gorgeous view of the rushing creek. Wind down the steps for fishing and swimming right out of your own door. Both levels have outside entrance. Off to the side is a gorgeous courtyard that feels a little like Italy. Come inside to soaring ceilings and an open floorpan excellent for entertaining. Main floor features a custom kitchen with Viking appliances. The centerpiece is a stone double sided fireplace. Tastefully decorated and furnished. The spacious dining area for a big gathering. A nice cozy living room and a half bath for your guest. A big beautiful primary bedroom with a spa like ensuite and roomy walk in closet. Downstairs you will find another living area, a small fridge, sink, wine cooler, a utility room, laundry room, three more bedrooms and each have there own full bath across from them. All furnishings included minus the sellers personal items. This property is private and would make the perfect getaway or full time residence. There is also a generator on the property which operates the whole house should you need it. Septic and well. There is an extra level which is 2000 sq ft seller refers to it as a root cellar.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
Gouge ElementaryGrades K-43.5 mi
5/10
Bowman MiddleGrades 5-83.5 mi
3/10
Mitchell HighGrades 9-127.0 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Tile,Wood
  • Fireplace features: Family Room,Kitchen,Living Room
  • Finished area below ground: 2,000
  • Finished area above ground: 2,000

Heating & Cooling

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

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 4,000 sqft

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: 085500527029,085500527567
  • Zoning: None
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch,Wrap Around
  • Exterior features: Outdoor Kitchen
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: None,Creek
  • Waterbody name: Creek

Lot

  • Lot size: 6.23 Acres
  • Features: Level,Steep Slope,Wooded,Waterfall - Artificial

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding
Ice Storm
Strong Wind
Landslide
Tornado
Winter Weather

FEMA Declared Disasters in Mitchell 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 $8,596$103,152
Home Insurance *$635$7,620
Property Taxes $928$11,136
Electricity $372$4,470
Total$10,531$126,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$361,062/yr
40% on housing$315,930/yr
45% on housing$280,826/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 9.2%
9.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$425This listing

vs Other Active Listings

Avg $/sqft

ZIP 28705$186
Mitchell County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 28705
Mitchell County$231

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
2026-04-13Price change$1,700,000
2025-11-03Listed for sale$1,800,000

For Sale by Agent

AgentRhonda Phillips, Howard Hanna Beverly-Hanks Burnville, Bobbie McMahan, Howard Hanna Beverly-Hanks Burnville
BrokerageHoward Hanna Beverly-Hanks Burnville

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