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John KurtzNational Real Estate

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Rutherfordton · Rutherfordton, NC

203 Burnt Chimney Lane

Rutherfordton, NC · 1,400 sqft

$389,000

Reduced from $419,000

  • 3Beds
  • 2Baths
  • 1,400SqFt
  • 2024Year
  • 92Days on market

About this home

New Price & MOTIVATED Seller! Offering up to $10,000 toward buyer's closing costs! Built in 2024 and already enhanced with professionally designed landscaping and outdoor living improvements, this 3BR/2BA home offers approximately 1,400 square feet of thoughtfully designed living space on 5.1± private acres in the gated community of Clearwater Creek. Situated on three secluded lots comprising most of the cul-de-sac, the property provides exceptional privacy and natural beauty, including a creek with a small waterfall and a large, level area by the water complete with a firepit and seating area.

Inside, luxury vinyl plank flooring runs throughout, and new blinds have been installed. The family room and all bedrooms are prewired for ceiling fans. An oversized laundry/utility room adds convenience, and all appliances—including washer, dryer, and refrigerator—convey. A whole-house generator and 840-foot-deep well provide additional peace of mind.

Outdoor features include a recently constructed 16x37 deck, fenced dog run or “deer-proof” garden area, extensive landscaping with a hillside planter box, and walk-in crawlspace storage.

Newer John Deere lawn tractor with cart and all outdoor furniture are negotiable.

The listing consists of three parcels, offering flexibility to retain all three, consolidate into a single recorded parcel, or sell one or more of the additional lots. Current HOA dues are $400 per parcel. Per the HOA, if the three lots are combined into one recorded parcel, the annual dues would be reduced to a single $400 assessment.

For those seeking a peaceful setting with frequent sightings of deer, wild turkeys, and other native wildlife, this property offers an exceptional opportunity to enjoy nature at home, along with move-in ready convenience.

Property details

Beds
3
Baths
2
SqFt
1,400
Lot
Year built
2024
Type
Single Family
Days on market
92
Style
Traditional
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Crawl Space
Flooring
Vinyl
HOA dues
$1,200 / yr

Features

  • Fire Pit

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$2,963/ month

Principal & interest
$2,409
Property tax (~1.05%)
$340
Homeowners insurance
$113
HOA dues
$100

Down payment

$19,450 down · $369,550 financed

Income to qualify (28% rule)

~$126,987 / 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.