Date
Details
Price
Change
Source
3/29/2026
Listed
$575,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
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1/41
$575,000 Sale Pending
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Property Description
RARE INVESTMENT OPPORTUNITY IN LAKE LURE NC- Welcome to Captain's Quarters, a spacious mountain retreat located inside the gated community of Rumbling Bald on Lake Lure, with 38 days already booked for 2026, providing immediate income potential. Whether you're seeking a proven vacation rental, a second home, or a future primary residence, this property offers exceptional flexibility. Designed to maximize both comfort and mountain views, the upper level features the main living area with a well-appointed kitchen, pantry, half bath, and a spacious primary suite complete with a private bath and walk-in closet. Step outside to the upper deck and enjoy beautiful views of Bald Mountain and the surrounding natural landscape. The lower level offers additional space for family and guests with two bedrooms, two bathrooms, a laundry area, and a separate living room, creating a private and functional guest or multi-generational living. Outdoor living is a true highlight, featuring a covered lower porch, a spacious side deck, and an expansive covered rear deck connecting to the upper living area. Above it all, a private observation deck (widow's walk) provides a unique vantage point to take in breathtaking mountain views and the peaceful serenity that makes Western North Carolina so special. Located just a short golf cart ride from Rumbling Bald's renowned amenities, including championship golf courses, indoor and outdoor pools, private Lake Lure beach access, wellness center, restaurants, hiking trails, and outdoor recreation, this property offers year-round appeal. For buyers considering a future move to the mountains, Captain's Quarters presents a unique opportunity to generate rental income and build ownership equity today while enjoying an established rental history and existing bookings. Continue operating it as a successful vacation rental while it helps offset ownership costs, then transition it into your full-time residence, retirement home, or personal mountain getaway when the time is right. This is an opportunity to invest in your future while enjoying income-producing potential from day one. .
Full Property Details
Full Property Details for 121 Fern Loop
General
- Price: $575,000
- HOA FEE: $414/month
- HOA FEE FREQ.: Annually
- Status: Pending
- Type: Single Family
- Source: Charlotte_Regional_Realtor_Association
- MLS ID: 4357970
- Updated: 6/22/2026
- Added to Site: 104 day(s) ago
Interior
- Fireplace: Yes
- Fireplace(s): Family Room, Gas Log, Family Room, Gas Log
- Appliances: Dishwasher, Gas Range, Microwave, Refrigerator with Ice Maker, Washer/Dryer
- Flooring: Tile, Vinyl, Wood
Rooms
Bathrooms
- Total Bathrooms: 4
- Full Bathrooms: 2
- Half Bathrooms: 2
- Upper - Full Baths: 1
- Upper - 1/2 Baths: 1
- Main - Full Baths: 1
- Main - 1/2 Baths: 1
Bedrooms
- Total Bedrooms: 3
- Bedrooms Upper: 1
- Bedrooms Main & Up: 2
Other Rooms
- Laundry: Laundry Room
Additional Information
- Shared Amenities: Boat Storage, Cabana, Clubhouse, Dog Park, Fitness Center, Game Court, Gated, Golf, Indoor Pool, Lake Access, Outdoor Pool, Pickleball, Playground, Putting Green, Recreation Area, Sauna, Sidewalks, Tennis Court(s), Walking Trails
- Pool: Yes
- Equipment: Fuel Tank - Owned
Parking
- Parking Features: Driveway
Location
- County: Rutherford
- Subdivision: Rumbling Bald on Lake Lure
- Driving Directions: Proceed to the Security Gate. GPS will take you to home
School Information
- Elementary School: Lake Lure Classical Academy
- Middle School: Lake Lure Classical Academy
- High School: Lake Lure Classical Academy
Community
- Assoc. Name: ar@rumblingbald.com
Heating & Cooling
- Cooling Type: Central Air
- Heating Type: Heat Pump
Utilities
- Sewer: Septic Installed
- Water: Community Well
- Utility Description: Cable Connected, Propane, Underground Utilities
Structural Information
- Construction: Site Built
- Exterior Const.: Hardboard Siding
- Upper: 1,232 Sq. Ft.
- Main/1st Level: 1,154 Sq. Ft.
- Year Built: 2003
Lot Features
- Street/Road Desc.: Asphalt, Paved
- Lot Features: Paved, Views
Financial Considerations
- Association Fee: $4,967
- Assoc Fee Freq.: Annually
- Terms: Cash, Conventional
Disclosures and Reports
- Special Conditions: Subject to Lease
- Property ID: 232198
- Lot Number: 1159/778
Listed by Rumbling Bald Real Estate
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Listing agent
— 121 Fern Loop —
Rumbling Bald Real Estate
NMLS#: 1598647Get Pre-Approved Today
Schools
Schools serving 121 Fern Loop
School District:Rutherford County Schools
| Name | Grades | Distance |
|---|---|---|
Pinnacle Elementary School 1204 Painters Gap Road, Rutherfordton, NC 28139 | PK-5 | 10.7 mi |
R-S Middle School 607 Westbrook Drive, Rutherfordton, NC 28139 | 6-8 | 13.6 mi |
R-S Central High School 641 U.S. 221, Rutherfordton, NC 28139 | 9-12 | 13.6 mi |
Rutherford Early College High School 286 I C C Loop Road, Spindale, NC 28160 | 9-12 | 18.3 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 121 Fern Loop
Tax History
Tax History for 121 Fern Loop
Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,147
26%
$505,800
—
2021
$3,290
—
$505,800
74%
2022
$3,290
—
$291,000
—
2021
$3,290
18%
$291,000
—
2019
$2,785
23%
$291,000
24%
2018
$2,263
10%
$234,000
—
2017
$2,066
—
$234,000
—
2016
$2,066
—
$234,000
—
2015
$2,066
—
$234,000
—
2014
$2,066
—
$234,000
—
2013
$2,066
—
$234,000
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 121 Fern Loop
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121 Fern Loop, Lake Lure, NC 28746 (MLS# 4357970) is a Single Family property with 3 bedrooms, 2 full bathrooms and 2 partial bathrooms. 121 Fern Loop is currently listed for $575,000 and was received on March 29, 2026. Want to learn more about 121 Fern Loop? Do you have questions about finding other Single Family real estate for sale in Lake Lure? You can browse all Lake Lure real estate or contact a Coldwell Banker agent to request more information.