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John KurtzCharlotte · NC

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Rutherfordton · Rutherfordton, NC

495 Grays Creek Church Road

Rutherfordton, NC · 1,550 sqft

$236,500

  • 3Beds
  • 2Baths
  • 1,550SqFt
  • 1950Year
  • 24Days on market

About this home

Back on market at no fault of sellers or property. Nestled on approximately 1.25 acres in a rural setting, this property offers space and versatility for a variety of uses. The home includes a 24 x 25 workshop with a 8.5 ft high garage door, providing access for equipment, storage or hobby use. A portion of the back yard is fenced, providing an area for pets, gardening, or outdoor activities. The property features a variety of fruit and nut trees, adding to its natural setting. An approx. 500 sqft basement offers additional storage or workspace potential. Recent interior updates include fresh paint, along with major system improvements including a roof replaced in 2025, HVAC installed in 2023, and a recently serviced well and septic system.. Thoughtfully prepared to showcase its space and functionality, with additional updates in progress to further enhance the home. Conveniently located with access to surrounding areas while maintaining a quiet country setting.

Property details

Beds
3
Baths
2
SqFt
1,550
Lot
Year built
1950
Type
Single Family
Days on market
24
Style
Ranch
Heating
Central
Cooling
Central Air
Foundation
Basement, Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,740/ month

Principal & interest
$1,464
Property tax (~1.05%)
$206
Homeowners insurance
$68
HOA dues

Down payment

$11,825 down · $224,675 financed

Income to qualify (28% rule)

~$74,598 / 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.