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235 Gull Ave #431, East Flat Rock, NC, 28726

2beds
1baths
824sqft
$250,000
$303price/sqft
$1,646/moest. monthly cost
$65,840/yrincome needed

About This Home

Cozy cottage just 10 minutes from downtown Hendersonville with I-26 access only 3 minutes away. Two bedrooms, one bath… idyllic and perfect for first-time buyers, downsizers, investors seeking a rental opportunity, or anyone wanting an easy lifestyle. Situated on a .26-acre lot, this adorable white cottage offers 824 sq ft of comfortable living space with thoughtful updates throughout in an area poised to continue growing in value. Inside, you'll find a spacious kitchen with a breakfast bar and a charming corner coffee station. Beautiful refinished hardwood floors warm the main living area, while the bedrooms feature new LVP flooring and a giant built-in closet for added storage. The roomy bathroom includes a tucked-away washer/dryer closet for convenience. Recent upgrades include a brand-new mini split system—noted by the seller as a big energy saver, a 5-year-old 50-gallon Bradford White Hydrojet water heater, plus new insulation in the attic. Step outside to the covered back deck—sit and enjoy the quiet sound of the birds, have your morning coffee or a glass of wine. It could easily be screened in for even more enjoyment. The backyard also features a well-built workshop perfect for hobbyists, studio space, she-shed, or future tiny home potential, plus a second tool shed and carport. Seller says neighbors are very friendly and look out for one another. A wonderful opportunity in a fantastic location! Schedule your showing today—this one won't last long!

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

6/10
Upward ElementaryGrades PK-51.4 mi
6/10
Flat Rock MiddleGrades 6-81.7 mi
5/10
East Henderson HighGrades 9-120.4 mi

Construction

Condition

  • Year built: 1958

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Exhaust Hood,Oven,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet,Main Level

Bathroom Full

  • Level: Main
  • Area: 67.36
  • Dimensions: 8' 5" X 8' 0"

Bedroom S

  • Level: Main
  • Area: 106.7
  • Dimensions: 10' 0" X 10' 8"

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 824

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 824
  • Total interior livable area: 824 sqft

Primary Bedroom

  • Level: Main
  • Area: 136.0425
  • Dimensions: 12' 9" X 10' 8"

Property

Accessibility

  • Accessibility features: Two or More Access Exits,Door Width 32 Inches or More

Details

  • Parcel number: 103143
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch
  • Fencing: Partial

Lot

  • Lot size: 0.26 Acres
  • Features: Level

Parking

  • Total spaces: 1
  • Parking features: Detached 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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind
Tornado

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 $1,264$15,168
Home Insurance *$80$960
Property Taxes $102$1,224
Electricity $200$2,405
Total$1,646$19,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,434/yr
40% on housing$49,380/yr
45% on housing$43,893/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

$303This listing

vs Other Active Listings

Avg $/sqft

ZIP 28726$166
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28726$236
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
2026-04-26Listed for sale$274,000

For Sale by Agent

AgentNancy Kiesling
BrokerageKeller Williams Mtn Partners, LLC

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