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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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221 Willow Lakes Dr , Rutherfordton, NC 28139
$494,000
Est. Payment: $2,776.30/mo
3 Bed
2 Bath
1825 Sqft
4.5 Acres
Status: active | Days on site: 4
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NCM1481 - 561522242
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Terri Bias
Operator/Brokerage Owner

House Description

Enjoy a peaceful rural setting in the established Willow Lakes community on two lots totaling approximately 4.5 acres, just minutes from Rutherfordton. With paved roads and light restrictions, this inviting setting offers a comfortable balance of privacy and convenience. The 3BR/2BA home offers approximately 1,825 SF with attractive updates and plenty of room to enjoy indoors and out. The living room features a wood-burning stove and tongue-and-groove wood ceiling, while the kitchen offers granite countertops, skylights and a center island with bar seating. A separate dining room opens to the deck, and the dedicated laundry room provides cabinetry and counter space. The primary suite features a walk-in closet and private bath with soaking tub and separate walk-in shower. Numerous improvements have been completed in recent years, including a metal roof and LVP flooring in 2022, replacement windows in 2024, updated exterior doors, tankless water heater, updated lighting and new ductwork in 2026. The crawlspace is fully encapsulated with a dehumidifier. Outdoor spaces include a covered front porch with room for rocking chairs, deck and lovely screened back porch with Trex flooring, along with a partially fenced backyard and mature shade trees. An attached two-car garage with built-in cabinets and an outbuilding provide useful storage. All appliances convey. Private well and septic, plus low annual HOA dues of just $425.

Highlights

Listed by Sherry Reavis , 828-429-2686 RE/MAX Journey , 828-395-2222. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
4.5

HOA Fee

425 Annually

Year Built

1999

County

Rutherford

Neighborhood

Willow Lakes

Listing ID

4411005

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Electric Range, Microwave, Refrigerator
Air Cond:Heat Pump
Fireplaces:
Floor:Carpet,Tile,Vinyl
Above Ground Sq Ft:1825
Other:
  • ▪ Additional:Master on Main
Water:Well

Exterior Features

Lot:Corner Lot
Roof:Metal
Sewer:Septic Installed
Parking Features:Attached Garage
Principal Interest
$2,776
Taxes
$315
HOA
$425

Home Price

$494,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$98,800
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:
$2,776.30

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,776.30 $314.93 $425.00 $3,516.22
Yearly $33,315.56 $3,779.10 $5,100.00 $42,194.66
Total $999,466.85 $113,373.00 $153,000.00 $1,265,839.85

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 (Rutherfordton, 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: 2026-10-14T17:53:06.000Z

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