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529 Ridgeline Rd, Union Grove, NC, 28689

2beds
1baths
868sqft
$75,000
$86price/sqft
$623/moest. monthly cost
$24,920/yrincome needed

About This Home

Step into a rare opportunity for those looking to restore, rebuild, or create something entirely new. Situated on a beautiful piece of land with a private rural setting, this existing 1900 farmhouse holds the charm and character of a bygone era but will require significant renovation or possible replacement depending on the buyer’s vision. The home has not had power since 2016, and water/spring lines to the property have been cut. Portions of the home are in disrepair, including rotted flooring in the front room, and entry/use of certain areas may be limited. The second floor was not accessed by the listing agent due to safety concerns. Buyer and/or buyer’s agent to verify second-floor square footage and all property details. Being sold strictly AS-IS with all remaining personal property and contents to convey. Cash or renovation-style financing. Whether you’re searching for a future homesite, investment opportunity, or restoration project, this property offers potential.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

5/10
CC Wright ElementaryGrades PK-510.6 mi
4/10
Central Wilkes MiddleGrades 6-813.2 mi
5/10
Wilkes Central HighGrades 9-1213.5 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick/Site Built,Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 868

Heating & Cooling

  • Heating features: See Remarks,Electric
  • Cooling features: Other

Interior Area

  • Total structure area: 868
  • Total interior livable area: 868 sqft

Property

Details

  • Parcel number: 1701039
  • Zoning: none
  • Special condition: Owner Sale

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 2.26 Acres

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
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Wilkes 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 $379$4,548
Home Insurance *$13$156
Property Taxes $31$372
Electricity $200$2,405
Total$623$7,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$21,360/yr
40% on housing$18,690/yr
45% on housing$16,613/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 28689$1,200
Wilkes County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 28689$389
Wilkes County$163

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
2026-05-11Listed for sale$75,000

For Sale by Agent

AgentAngela Reins
BrokerageeXp Realty

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