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139 Hidden Fields Dr, Flat Rock, NC, 28731

3beds
2baths
2,000sqft
$550,000
$275price/sqft
$3,388/moest. monthly cost
$135,520/yrincome needed

About This Home

For Sale by Builder - New home- Under Construction- Completion September/ October 2026 On 1.22 acres in a 6 home subdivision Split-plan Vaulted ceilings in the great room, tray ceiling in the main bedroom, maple cabinets and granite/quartz tops, nice sun room with a deck for entertaining. Large M bathroom with 5 foot walk-in shower and a soaking tub. Large utility room with laundry sink and room for an extra refrigerator. Gas log fireplace Prewired for a generator Over sized 2 car garage LVP flooring throughout.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

2/10
Dana ElementaryGrades PK-52.0 mi
6/10
Flat Rock MiddleGrades 6-83.7 mi

Construction

Condition

  • Year built: 2026

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Basement (not specified)

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total interior livable area: 2,000 sqft

Property

Lot

  • Lot size: 1 Acres

Parking

  • Parking features: Garage

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
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Lightning
Strong Wind
Drought
Inland Flooding
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 $2,781$33,372
Home Insurance *$183$2,196
Property Taxes $224$2,688
Electricity $200$2,405
Total$3,388$40,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,160/yr
40% on housing$101,640/yr
45% on housing$90,346/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

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 28731$186
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28731$255
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)

No zestimate history available

Price History

DateEventPrice
2026-05-25Listed for sale$550,000

For Sale by Owner

AgentProperty Owner

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