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5797 Us Highway 64/74a, None Lake Lure, NC, 28746

1beds
1baths
420sqft
$449,000
$1,069price/sqft
$2,844/moest. monthly cost
$113,760/yrincome needed

About This Home

A RARE RIVERFRONT OPPORTUNITY IN LAKE LURE! Discover more than 5 beautiful acres with an incredible 1,200 feet of frontage along the Broad River! Conveniently located on US Highway 64/74A, just minutes from Lake Lure, this exceptional property offers endless possibilities. Create a private family retreat, distinctive wedding or event venue, vacation-rental destination or riverfront getaway. The property offers multiple potential sites for additional tiny homes, RV's, or campers----making it an exciting opportunity for personal enjoyment or investment. Already in place is a luxurious 420 square foot tiny home featuring 10 foot ceilings, a king-size bed and stylish furnishings-----all included with the sale. A 12X20 foot storage building provides additional space for equipment, recreational gear and supplies. With its remarkable river frontage, generous acreage, convenient location, and tremendous potential, properties like this are rarely available. Offered at $449,000.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
4/10
R-S Middle SchoolGrades 6-89.3 mi
4/10
R-S Central High SchoolGrades 9-129.4 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Hardboard Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Modular

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Microwave,Refrigerator,Wall Oven,Washer,Washer/Dryer
  • Laundry features: Laundry Closet

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 420

Heating & Cooling

  • Heating features: Ductless,Space Heater
  • Cooling features: Ductless

Interior Area

  • Total structure area: 420
  • Total interior livable area: 420 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 1648340
  • Zoning: none
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Exterior features: Fire Pit
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Paddlesport Launch Site,River Front,Waterfront
  • Waterbody name: Broad River

Lot

  • Lot size: 4.97 Acres
  • Features: Level,Private,Views,Wooded

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Strong Wind
Cold Wave
Landslide
Lightning
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 $2,270$27,240
Home Insurance *$143$1,716
Property Taxes $231$2,772
Electricity $200$2,405
Total$2,844$34,128
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,508/yr
40% on housing$85,320/yr
45% on housing$75,840/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

$1,069This listing

vs Other Active Listings

Avg $/sqft

ZIP 28746$284
Rutherford County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 28746$284
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
2026-08-03Listed for sale$449,000

For Sale by Agent

AgentDavid Caulder
BrokerageCaulder Realty & Land Co.

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