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John KurtzCharlotte · NC

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Flat Rock · Flat Rock, NC

302 Rich Mountain Road

Flat Rock, NC · 1,703 sqft

$440,000

  • 3Beds
  • 2Baths
  • 1,703SqFt
  • 1999Year

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 alongside portions 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 an inviting flow between the living room, dining area, and updated kitchen with custom cabinetry and stainless steel appliances. Three bedrooms and two updated bathrooms complete the main level.

Downstairs, the walkout basement includes a tandem two-car garage along with a spacious bonus room full of mountain character. A floor-to-ceiling natural stone fireplace wall, oversized hearth, and wood-burning stove create a warm and inviting space for a den, game room, home office, or guest overflow.

Outside, enjoy a large deck designed for entertaining, grilling, and relaxing in the peaceful surroundings. The property offers plenty of grassy yard space for gardening, play, or pets, along with an outdoor firepit area and picnic space perfect for gathering with friends and family. A circular-style driveway provides easy access and additional parking.

Private, functional, and thoughtfully updated, this Flat Rock property offers the mountain lifestyle with room to spread out both inside 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
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

$3,271/ month

Principal & interest
$2,725
Property tax (~1.05%)
$385
Homeowners insurance
$128
HOA dues
$33

Down payment

$22,000 down · $418,000 financed

Income to qualify (28% rule)

~$140,216 / 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.