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35 Stone Crest Ct, Flat Rock, NC, 28731

2beds
2baths
1,854sqft
$550,000
$297price/sqft
$3,401/moest. monthly cost
$136,040/yrincome needed

About This Home

Enjoy easy, one-level living in the sought-after Kenmure community. This well-maintained 2BR/2BA cottage offers a functional layout with fresh interior paint and a bright, move-in-ready feel. The spacious great room features vaulted ceilings, hardwood floors, and a cozy fireplace, creating a warm central gathering space. The primary suite includes a sunroom retreat and walk-in closet, while new carpet in both bedrooms adds comfort. A basement workshop with exterior access adds flexibility, while the “crawl space” functions as a walk-in storage area. Outdoor living shines with a refreshed rear deck featuring durable, low-maintenance materials. Ideal as a full-time home, second home, or rental investment, with lawn care included for a carefree lifestyle.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

2/10
Hillandale ElementaryGrades PK-52.2 mi
6/10
Flat Rock MiddleGrades 6-82.2 mi
5/10
East Henderson HighGrades 9-124.1 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Crawl Space
  • Construction materials: Hardboard Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Laundry Closet,Main Level

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Fireplace features: Family Room
  • Finished area below ground: 0
  • Finished area above ground: 1,854

Heating & Cooling

  • Heating features: Other
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,854
  • Total interior livable area: 1,854 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 9576105584
  • Zoning: R2R
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.82 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Landslide
Lightning
Strong Wind
Drought
Hail
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 $237$2,844
Electricity $200$2,405
Total$3,401$40,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,605/yr
40% on housing$102,030/yr
45% on housing$90,693/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

$297This 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)

Price History

DateEventPrice
2026-04-22Listed for sale$550,000
2025-08-18Sold$500,580
2025-06-17Listed for sale$545,000
2025-06-04Listing removed$585,000
2024-11-21Listed for sale$585,000

For Sale by Agent

AgentSteve Dozier
BrokerageHoward Hanna Beverly-Hanks

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