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John KurtzCharlotte · NC

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Flat Rock · Flat Rock, NC

1034 S Orchard Road

Flat Rock, NC · 1,502 sqft

$549,000

Reduced from $600,000

  • 2Beds
  • 3Baths
  • 1,502SqFt
  • 1971Year
  • 81Days on market

About this home

Flexible Living + Dual Primary + Bonus Suite + Heated and Cooled Garage on 1.99 acres with no HOA!!

Rare opportunity to own a home offering flexibility, comfort, and peace of mind in the heart of Flat Rock. This unique property features dual-primary-suite layout. Both suites offer generous space and well-appointed bathrooms, creating a functional and comfortable living experience that is hard to find in this price range.

In addition to the 2 primary suites, the main home includes a den, an open concept living room, dining room, kitchen, and a laundry room (laundry room is not included in Square footage). For further flexibility, the home includes a versatile bonus suite with private access—perfect for a home office, guest space, studio, or extended living needs. That's not all, the home also includes a climate-controlled two-car garage, offering exceptional utility for storage, hobbies, or workspace.

A major highlight is the whole-house generator, providing year-round reliability and added peace of mind—an increasingly valuable feature in Western North Carolina.

All of this is situated on almost two acres of flat, usable property in desirable Flat Rock. The land is a rare find — open, level, and ready for gardens, animals, equipment, or simply room to spread out and enjoy. With no HOA and no restrictions, you have the freedom to truly use your property the way you want.

Property details

Beds
2
Baths
3
SqFt
1,502
Lot
Year built
1971
Type
Single Family
Days on market
81
Garage
2
Heating
Ductless, Heat Pump
Cooling
Central Air, Ductless
Foundation
Crawl Space
Flooring
Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,040/ month

Principal & interest
$3,400
Property tax (~1.05%)
$480
Homeowners insurance
$160
HOA dues

Down payment

$27,450 down · $521,550 financed

Income to qualify (28% rule)

~$173,169 / year household

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