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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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12770 Bringle Ferry Rd , Richfield, NC 28137
$319,000
Est. Payment: $1,792.79/mo
2 Bed
1 Bath
1148 Sqft
2.65 Acres
Status: active | Days on site: 9
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11914 - R18015
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Terri Bias
Operator/Brokerage Owner

House Description

If you're looking to be close to the lake without the lake price tag - this is the property for you! This property is only 4 miles from the boat launch at High Rock Lake and provides ample storage for your boat, RV and any other hobbies you may have. This property features 4 different enclosed structures; the house, a 2-car detached garage, a cinder block building and a small shed. You walk through the front door of this cabin to a spacious living room with a vaulted ceiling; the original paneling and wood-burning fireplace give the coziness of the mountains. The home has a freshly remodeled kitchen with new cabinets, subway tile backsplash and granite countertops. New tile in the bathroom and LVP flooring throughout for added style and durability. Additional upgrades completed on the house in 2026 include fresh paint throughout, replacing the metal roof, all new ductwork throughout, and installing an HVAC unit that is 5 years old. The hardest choice will be deciding whether you want to sit on the front porch or back patio to drink your coffee! A portion of the detached garage has fresh plywood walls, and new toilet in the toilet room. This additional space is a blank canvas; it could potentially be used for a home office, or maybe additional living space. The cinderblock building is zoned Commercial property and cannot be subdivided from the house and detached garage because it shares a septic system with the house. This would be ideal space for hobbies or maybe entertainment! If intended for a business, buyers should verify plans with Rowan County - but this space could potentially be used for lake storage rental or a smaller retail business. (Restaurants, bars, or customer-use of bathrooms are not permitted.) Behind the cinder block building there's a metal awning large enough for a camper or RV, and a smaller lean-to that you could store a boat or trailer. This property has so many opportunities! Seller had a septic inspection completed, will be glad to share report upon request.

Highlights

Listed by Mallory McCall , 704-221-8270 Central Carolina Real Estate Group LLC , 704-221-1497. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
2.65

Year Built

1945

County

Rowan

Neighborhood

None

Listing ID

4427704

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Microwave, Washer/Dryer
Air Cond:Central Air
Fireplaces:Den,Family Room
Floor:Tile,Vinyl
Above Ground Sq Ft:1148
Other:
  • ▪ Additional:Attic Other, Has Fireplace, Master on Main
Water:Spring

Exterior Features

Roof:Metal
Sewer:Septic Installed
Parking Features:Detached Garage,Garage Shop,RV Access/Parking
Principal Interest
$1,793
Taxes
$203

Home Price

$319,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$63,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,792.79

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,792.79 $203.36 $0.00 $1,996.15
Yearly $21,513.49 $2,440.35 $0.00 $23,953.84
Total $645,404.71 $73,210.50 $0.00 $718,615.21

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

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Market insight data is pulled from the same city as the listing being viewed (Richfield, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Terri Bias and Associates | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-10-14T15:52:06.000Z

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