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132 Rugby Rd, Salisbury, NC, 28144

5beds
3baths
3,916sqft
$650,000
$166price/sqft
$4,711/moest. monthly cost
$188,440/yrincome needed

About This Home

Welcome to a home where space, flexibility, and timeless craftsmanship come together beautifully. Situated on a generous half-acre lot, this all-brick two-story home offers nearly 4,000 square feet of well-designed living space, making it ideal for those who appreciate room to spread out, entertain, and enjoy everyday life. With 5 bedrooms and 3 full bathrooms, this home offers exceptional flexibility for today's lifestyle. The main level features a private office, a bedroom and full bathroom, a bright sunroom, and an oversized kitchen with abundant cabinet storage, expansive counter space, a large casual dining area, and a separate formal dining room for entertaining. Upstairs, the impressive primary suite features three walk-in closets, with two currently serving as office space. The fully walkable third floor offers exceptional storage and outstanding potential for future finished living space. Enjoy the fenced backyard, low HOA, a roof that's only three years old, and the added peace of mind of an included home warranty. Combining generous space, timeless construction, and endless versatility, this home is ready to welcome its next owners.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

--
Knox Middle SchoolGrades 6-81.5 mi
3/10
Salisbury High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Gas Cooktop,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Room,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Fireplace features: Family Room,Gas
  • Finished area below ground: 0
  • Finished area above ground: 3,916

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,916
  • Total interior livable area: 3,916 sqft

Kitchen

  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Level: Upper

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 325E005
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.50 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Tornado
Strong Wind
Winter Weather

FEMA Declared Disasters in Rowan 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 $3,286$39,432
Home Insurance *$391$4,692
Property Taxes $670$8,040
Electricity $364$4,376
Total$4,711$56,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,520/yr
40% on housing$141,330/yr
45% on housing$125,626/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: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.8%
6.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 28144$129
Rowan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28144$171
Rowan County$178

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
2026-08-01Listed for sale$650,000
2021-07-08Sold$530,000
2021-06-08Contingent$499,000
2021-06-06Pending sale$499,000
2021-06-05Listed for sale$499,000
2020-10-02Sold$323,000
2020-06-15Pending sale$388,000
2019-11-23Price change$388,000
2019-03-31Listed for sale$389,000
2019-01-22Listing removed$394,000
2019-01-21Listed for sale$394,000
2019-01-20Pending sale$394,000
2018-05-13Price change$394,000
2018-02-03Listed for sale$397,000
2017-09-21Listing removed$389,000
2016-03-23Price change$389,000
2016-03-16Price change$394,900
2015-07-22Listed for sale$399,900
2014-12-05Listing removed$439,750
2014-06-12Listed for sale$439,750
2014-01-11Listing removed$499,900
2013-07-12Listed for sale$499,900

For Sale by Agent

AgentNancy Jarrell
BrokerageBerkshire Hathaway HomeServices Carolinas Realty

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