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Rutherfordton · Rutherfordton, NC

146 Major Fergusons Hill

Rutherfordton, NC · 3,680 sqft

$695,000

Reduced from $725,000

  • 5Beds
  • 5Baths
  • 3,680SqFt
  • 2000Year
  • 57Days on market

About this home

Welcome to this beautifully updated 5-bedroom, 5-bath home situated on ~1.9 landscaped acres in the established Gilbertown community just outside Rutherfordton! Designed with space and versatility in mind, this move-in-ready home features generous living areas, stylish updates, and an ideal layout for multi-generational living or entertaining. Enjoy nearly 500 square feet of covered and uncovered decking overlooking the fully fenced backyard—perfect for pets, play, or relaxing outdoors. A detached two-stall garage provides additional parking, storage, or hobby space. The fully finished walkout basement adds exceptional flexibility with additional rooms, a full bath, plus a large storage/workshop area, making this home as functional as it is spacious. Minutes from restaurants, shopping, healthcare, and only an hour away from Asheville, Charlotte and Greenville, this property offers the peace and comfort of high end country living with everyday convenience.

Property details

Beds
5
Baths
5
SqFt
3,680
Lot
Year built
2000
Type
Single Family
Days on market
57
Garage
2
Heating
Central, Electric, Forced Air, Heat Pump
Cooling
Ceiling Fan(s), Central Air, Electric, Heat Pump
Foundation
Basement, Slab
Flooring
Concrete, Tile, Wood

Features

  • Built-in Features
  • Cable Prewire
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Split Bedroom
  • Walk-In Closet(s)
  • Fence
  • Fire Pit

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$5,028/ month

Principal & interest
$4,304
Property tax (~0.90%)
$521
Homeowners insurance
$202
HOA dues

Down payment

$34,750 down · $660,250 financed

Income to qualify (28% rule)

~$215,498 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. Christy can introduce you to lenders she trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.