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438 Loop Rd, Hendersonville, NC, 28792

2beds
1baths
1,028sqft
$243,500
$237price/sqft
$1,617/moest. monthly cost
$64,680/yrincome needed

About This Home

SELLER IS OFFERING A $10K SELLER CREDIT AT CLOSING. *Back on market at no fault to seller. Ask your agent for details!* Tucked away just minutes from downtown Hendersonville, this incredibly charming bungalow offers the perfect blend of character, comfort, and investment potential. Located only 6 minutes from the heart of town, you’ll enjoy easy access to local dining, shopping, and entertainment while still having a peaceful place to call home. This 2-bedroom, 1 full bathroom home is as cute as it gets, featuring a warm and inviting layout that makes the most of every square foot. The beautifully landscaped yard creates a welcoming first impression and provides a serene outdoor space to relax or entertain. Downstairs, the basement offers ample storage and is equipped with a commercial-grade dehumidifier—adding both practicality and peace of mind. Whether you’re looking for a primary residence, a weekend getaway, or a smart investment opportunity, this property checks all the boxes. Don’t miss your chance to own a truly special home in a prime location.

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
Upward ElementaryGrades PK-51.9 mi
6/10
Flat Rock MiddleGrades 6-82.1 mi
5/10
East Henderson HighGrades 9-120.3 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Crawl Space
  • Construction materials: Asbestos

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Sump Pump

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Flooring: Carpet,Linoleum
  • Finished area below ground: 0
  • Finished area above ground: 1,028

Heating & Cooling

  • Heating features: Central,Electric,Natural Gas
  • Cooling features: Ceiling Fan(s),Window Unit(s)

Interior Area

  • Total structure area: 1,028
  • Total interior livable area: 1,028 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 9578724283
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.33 Acres

Parking

  • Total spaces: 3
  • Parking features: Circular Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3

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 StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind

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 $1,231$14,772
Home Insurance *$75$900
Property Taxes $111$1,332
Electricity $200$2,405
Total$1,617$19,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,440/yr
40% on housing$48,510/yr
45% on housing$43,120/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

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 28792$197
Henderson County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 28792$217
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
2026-03-25Listed for sale$250,000
2020-12-16Sold$263,000
2020-10-24Pending sale$279,000
2020-10-01Price change$279,000
2020-09-22Price change$309,000
2020-09-01Listed for sale$325,000
2020-07-30Sold$46,500

For Sale by Agent

AgentJames Dager
BrokerageKeller Williams Elite Realty

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