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109 Shorthorn Rd, Fletcher, NC, 28732

5beds
3baths
2,545sqft
$515,000
$202price/sqft
$3,207/moest. monthly cost
$128,280/yrincome needed

About This Home

Built for both comfort and function, this Hayden floor plan delivers a smart layout with elevated finishes throughout. The main level features 9’ ceilings, durable Mohawk flooring, a cozy gas fireplace, and a flexible bedroom ideal for guests. Upstairs, you’ll find a spacious primary suite, three additional bedrooms, and a versatile loft area perfect for a second living space. The home has seen multiple thoughtful improvements, including updated fixtures and fresh, tasteful interior paint that creates a clean, modern feel. Step outside to a large fenced-in backyard—ideal for entertaining, pets, or simply enjoying the outdoors. Located in Tap Root Farms, a master-planned community offering a resort-style clubhouse, pool, fitness center, playground, pickleball courts, and dog park. Just minutes to downtown Fletcher with quick access to I-26, and an easy drive to both Hendersonville and Asheville

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
6/10
Rugby MiddleGrades 6-83.6 mi
8/10
West Henderson HighGrades 9-123.2 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven,Refrigerator
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Window features: Insulated Windows
  • Flooring: Laminate
  • Fireplace features: Family Room
  • Attic: Permanent Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,545

Heating & Cooling

  • Heating features: Heat Pump,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,545
  • Total interior livable area: 2,545 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 10011480
  • Zoning: CD
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Back Yard

Lot

  • Lot size: 0.21 Acres
  • Features: Cleared,Level

Parking

  • Total spaces: 4
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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

  • Cold Wave
    Cold WaveVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Henderson 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 $2,604$31,248
Home Insurance *$156$1,872
Property Taxes $210$2,520
Electricity $237$2,844
Total$3,207$38,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,954/yr
40% on housing$96,210/yr
45% on housing$85,520/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: 5.3%
5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 28732$233
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28732$248
Henderson County$254

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
2026-05-10Listed for sale$525,000
2025-03-25Sold$495,165
2024-10-12Listed for sale$495,165

For Sale by Agent

AgentJonathan Gonzalez
BrokerageNextHome Partners

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