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Property Description
Welcome to a turnkey (fully furnished) mountain retreat vacation home with a proven track record - this beautifully renovated A-frame sits inside the gates of the Rumbling Bald on Lake Lure, backing directly to the 12th green of the Bald Mountain Golf Course with sweeping golf and mountain views. It has been meticulously maintained. Spanning three finished levels, the home offers 3 bedrooms plus a versatile extra room, and 3 full bathrooms. The main level features an open eat-in kitchen, a spacious living room anchored by a stone fireplace, and a comfortable primary bedroom as well as a second bedroom and full bath. Upstairs, a large loft-style extra room offers flexible space for extra sleeping, a media room, or a private retreat, overlooking the great room below. The finished basement level expands the living space further with a generous recreation room, a second stone fireplace, an additional bedroom, full bath, and utility room - ideal for game nights or overflow guests. Outside, enjoy a wrap-around deck and covered patio overlooking the golf course, a fire pit for evening gatherings, and parking for up to five vehicles. As a resident inside the Rumbling Bald gates, you'll have access to the community's indoor and outdoor pools, hot tub, and resort amenities, all just a short walk from Lake Lure's beach and minutes from Chimney Rock State Park. This property has operated as an established, highly successful vacation rental since 2020, holding a 10/10 exceptional guest rating across 164+ verified reviews - placing it in the top 1% of rentals of the area (per VRBO). Whether you're seeking a proven income-producing investment or your own private mountain escape, this home delivers both lifestyle and performance in one of Lake Lure's most sought-after gated communities. Call Listing Agent for VRBO Listing and availability. See 3 D Tour.
Full Property Details
Full Property Details for 196 Fern Loop
General
- Price: $679,900
- HOA FEE: $414/month
- HOA FEE FREQ.: Annually
- Status: Active
- Type: Single Family
- Source: Charlotte_Regional_Realtor_Association
- MLS ID: 4425558
- Updated: 9/20/2026
- Added to Site: 5 day(s) ago
Interior
- Fireplace: Yes
- Fireplace(s): Family Room, Wood Burning, Family Room, Wood Burning
- Appliances: Dishwasher, Dryer, Electric Oven, Electric Range, Microwave
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
- Main - Full Baths: 2
- Basement Baths: 1
Bedrooms
- Total Bedrooms: 3
- Bedrooms-B: 1
- Bedrooms Main & Up: 2
Other Rooms
- Laundry: In Basement
Parking
- Parking Features: Circular Driveway
Location
- County: Rutherford
- Subdivision: Rumbling Bald on Lake Lure
School Information
- Elementary School: Lake Lure Classical Academy
- Middle School: Lake Lure Classical Academy
- High School: Lake Lure Classical Academy
Heating & Cooling
- Cooling Type: Central Air
- Heating Type: Central
Utilities
- Sewer: Septic Installed
- Water: Community Well
Structural Information
- Construction: Site Built
- Exterior Const.: Wood
- Basement: Yes
- Basement Desc.: Finished, Walk-Out Access
- Upper: 330 Sq. Ft.
- Main/1st Level: 1,050 Sq. Ft.
- Year Built: 1974
Lot Features
- Street/Road Desc.: Stone, Paved
- Elevation (Approx.): 1000
- Rcmdd Zoning: R-3
Financial Considerations
- Association Fee: $4,967
- Assoc Fee Freq.: Annually
Disclosures and Reports
- Restrictions: Architectural Review, Livestock Restriction, Manufactured Home Not Allowed, Short Term Rental Allowed, Subdivision
- Property ID: 222555
- Lot Number: 2010-280
Listed by Bach Real Estate LLC
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Schools
Schools serving 196 Fern Loop
School District:Rutherford County Schools
| Name | Grades | Distance |
|---|---|---|
Pinnacle Elementary School 1204 Painters Gap Road, Rutherfordton, NC 28139 | PK-5 | 10.6 mi |
R-S Middle School 607 Westbrook Drive, Rutherfordton, NC 28139 | 6-8 | 13.5 mi |
R-S Central High School 641 U.S. 221, Rutherfordton, NC 28139 | 9-12 | 13.5 mi |
Rutherford Early College High School 286 I C C Loop Road, Spindale, NC 28160 | 9-12 | 18.1 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 196 Fern Loop
Date
Details
Price
Change
Source
9/19/2026
Listed
$679,900
154.64%
MLS
6/29/2018
Sold
$267,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 196 Fern Loop
Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,369
33%
$409,900
—
2021
$2,541
—
$409,900
83%
2022
$2,541
—
$224,600
—
2021
$2,541
18%
$224,600
—
2019
$2,149
45%
$224,600
46%
2018
$1,484
10%
$153,500
—
2017
$1,355
—
$153,500
—
2016
$1,355
—
$153,500
—
2015
$1,355
—
$153,500
—
2014
$1,355
10%
$153,500
10%
2013
$1,232
—
$139,500
—
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 196 Fern Loop
196 Fern Loop, Lake Lure, NC 28746 (MLS# 4425558) is a Single Family property with 3 bedrooms and 3 full bathrooms. 196 Fern Loop is currently listed for $679,900 and was received on September 19, 2026. Want to learn more about 196 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.

