See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

278 Hunters Trce, Rutherfordton, NC, 28139

3beds
2baths
1,524sqft
$469,000
$308price/sqft
$2,976/moest. monthly cost
$119,040/yrincome needed

About This Home

Nestled in the desirable Hunter’s Trace community, this beautiful Rutherfordton property offers the perfect blend of comfort, charm, and North Carolina mountain living. Located at 278 Hunter’s Trace, this home welcomes you with peaceful surroundings, spacious living areas, and the privacy buyers are searching for. Enjoy relaxing mornings on the porch, scenic wooded views, and a setting that feels tucked away while still being convenient to downtown Rutherfordton, shopping, dining, and area recreation. Inside, you’ll find a warm and inviting layout with plenty of natural light, comfortable gathering spaces, and room to make lasting memories. Whether you’re looking for a full-time residence, mountain retreat, or investment opportunity, this property delivers the tranquility and lifestyle Western North Carolina is known for. Don’t miss your opportunity to own a slice of Rutherford County living in the sought-after Hunter’s Trace neighborhood. Schedule your private showing today and experience the charm of 278 Hunter’s Trace for yourself.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
4/10
R-S Middle SchoolGrades 6-83.7 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Crawl Space
  • Construction materials: Hardboard Siding,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Microwave,Refrigerator with Ice Maker,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,Mud Room

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,524

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,524
  • Total interior livable area: 1,524 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1519412366
  • Zoning: R7
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.63 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Cold Wave
Inland Flooding
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 $2,371$28,452
Home Insurance *$171$2,052
Property Taxes $234$2,808
Electricity $200$2,405
Total$2,976$35,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,034/yr
40% on housing$89,280/yr
45% on housing$79,360/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

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 28139$190
Rutherford County$227

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
2026-05-18Listed for sale$469,000
2023-02-16Sold$285,000

For Sale by Agent

AgentRichard Driggers
BrokerageKeller Williams Professionals

Similar Homes