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Flat Rock · Flat Rock, NC

302 Rich Mountain Road

Flat Rock, NC · 1,703 sqft

$399,900

Reduced from $440,000

  • 3Beds
  • 2Baths
  • 1,703SqFt
  • 1999Year
  • 104Days on market

About this home

Tucked away in a peaceful mountain setting on 1.12 private acres, this beautifully updated Flat Rock home offers the perfect blend of comfort, character, and usable outdoor space. The drive into the community follows stretches of the scenic Hungry River, and residents enjoy private community river access with trout stocked just upstream near the state hatchery.

The main level features an open-concept living area with vaulted ceilings, hardwood floors throughout, and seamless flow between the living room, dining area, and updated kitchen, complete with custom cabinetry and stainless steel appliances. Three bedrooms and two updated bathrooms complete the main floor.

Downstairs, the walkout basement includes a tandem two-car garage and a spacious bonus room filled with mountain charm. A floor-to-ceiling natural stone fireplace, oversized hearth, and wood-burning stove create a warm, inviting space that’s ideal for a den, game room, home office, or guest overflow.

Outside, a large deck provides the perfect spot for entertaining, grilling, or simply relaxing while taking in the peaceful surroundings. The property also offers generous grassy yard space for gardening, play, or pets, along with an outdoor fire pit and picnic area that’s perfect for gathering with friends and family. A circular driveway provides convenient access and additional parking.

Private, functional, and thoughtfully updated, this Flat Rock property offers the mountain lifestyle with plenty of room to enjoy both indoors and out.

Note: One of the bedrooms does not have a closet.

Property details

Beds
3
Baths
2
SqFt
1,703
Lot
Year built
1999
Type
Single Family
Days on market
104
Garage
1
Style
Ranch
Heating
Baseboard, Heat Pump, Propane
Cooling
Ceiling Fan(s), Heat Pump
Foundation
Basement
Flooring
Vinyl, Wood
HOA dues
$400 / yr

Features

  • Fire Pit

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$2,926/ month

Principal & interest
$2,476
Property tax (~0.90%)
$299
Homeowners insurance
$116
HOA dues
$33

Down payment

$19,995 down · $379,905 financed

Income to qualify (28% rule)

~$125,425 / 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

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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.