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Rutherfordton · Rutherfordton, NC

282 W Mountain Street

Rutherfordton, NC · 2,169 sqft

$399,000

  • 3Beds
  • 2Baths
  • 2,169SqFt
  • 1940Year
  • 2Days on market

About this home

Charming, one of a kind cottage look alike house with a character. Build in 1942 with original hardwood floors, refinished a few years ago. Zoned residential and commercial with a street front and plenty of parking. Every room is different, has it's own charisma. There are 3 rooms downstairs, bathroom, kitchen, laundry room and an extra 23x14 size room what can be used for business or residential. There are 2 rooms upstairs, bathroom and a room size attic. All the 5 rooms are fully furnished and turn key if you are planning to use it as a rental property. There is a backyard where you can relax and plenty of space to have gatherings. Brand new roof installed in March 2026, heatpump installed in 2024, new kitchen and bathroom fixtures. The house is very close from Main Street, Courthouse and Police Department.

Property details

Beds
3
Baths
2
SqFt
2,169
Lot
Year built
1940
Type
Single Family
Days on market
2
Heating
Electric, Forced Air, Heat Pump
Cooling
Ceiling Fan(s), Central Air
Foundation
Basement
Flooring
Carpet, Vinyl, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,886/ month

Principal & interest
$2,471
Property tax (~0.90%)
$299
Homeowners insurance
$116
HOA dues

Down payment

$19,950 down · $379,050 financed

Income to qualify (28% rule)

~$123,717 / 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.