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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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2185 Cottage Park Rd , Morganton, NC 28655
$699,900
Est. Payment: $3,606.73/mo
4 Bed
3 Bath
2742 Sqft
Status: active with contingency | Days on site: 17
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

You don't want to miss this one-of-a-kind custom-built home in Burke County's best-kept secret, beautiful Cottage Park at Lake James! This exclusive, high-end gated community offers lake access from Mimosa Marina, conveniently located just across the street, along with the benefit of no city taxes. Situated on a private 1.07-acre lot, this exceptional home offers 4 bedrooms, 3 full baths, an all-weather room, and a spacious bonus room. As an added bonus, the new owner will enjoy use of a boat slip at Mimosa Marina for the remainder of 2026, plus the peace of mind of a one-year paid home warranty. Step inside to discover beautiful real hardwood floors and solid wood doors throughout. The open-concept living room, dining area, and kitchen are accented by soaring cathedral ceilings and a stunning rock fireplace, creating the perfect space for entertaining or relaxing. The kitchen features granite countertops, a closet pantry, abundant cabinetry, and newer stainless steel appliances. The main level offers two bedrooms and two full baths, including a spacious primary suite with a tray ceiling, walk-in closet, and luxurious ensuite featuring a custom tiled walk-in shower, Jacuzzi soaking tub, and dual granite vanity. A conveniently located laundry room with additional storage completes the main floor. One of the home's standout features is the light-filled all-weather room overlooking the private backyard. Complete with a second fireplace, it's the perfect place to unwind year-round. Upstairs you'll find two generously sized bedrooms, a full bath, and a large bonus room ideal for a media room, home office, playroom, or guest space. Outdoor living is just as impressive with decks on both sides of the home, both replaced within the last three years. The property also includes a powered storage building, providing plenty of room for hobbies, lawn equipment, or workshop space. Residents of Cottage Park enjoy outstanding community amenities including an HOA-maintained in-ground pool, clubhouse, and convenient boat and trailer storage. Whether you're searching for a full-time residence or the perfect Lake James retreat, this custom home offers the ideal blend of luxury, privacy, and lake lifestyle. Be sure to go to the Community Club House and pool at 4877 Steam Side Ln.

Highlights

Listed by Christie Leonard , 828-334-6365 WNC Real Estate at Lake James , 828-439-2548. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.07

HOA Fee

1100 Annually

Year Built

2008

County

Burke

Neighborhood

Cottage Park

Listing ID

4388152

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Electric Range, Exhaust Fan, Microwave, Refrigerator with Ice Maker, Tankless Water Heater
Air Cond:Ceiling Fan(s),Heat Pump
Fireplaces:Gas Log,Gas Unvented,Gas Vented,Living Room,Propane,Recreation Room
Floor:Tile,Wood
Above Ground Sq Ft:2742
Below Ground Sq Ft:0
Other:Breakfast Bar,Open Floorplan,Pantry,Split Bedroom,Walk-In Closet(s),Other - See Remarks,Has Fireplace,Master on Main
Other:City

Exterior Features

Lot:Private,Sloped,Wooded,Other - See Remarks
Roof:Architectural Shingle
Others:In-Ground Irrigation
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Faces Front
Principal Interest
$3,607
Taxes
$446
HOA
$1,100

Home Price

$699,900

Loan Details

30 yrs
6.683%

Down Payment

20%
$139,980
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:
$3,606.73

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,606.73 $446.19 $1,100.00 $5,152.92
Yearly $43,280.75 $5,354.24 $13,200.00 $61,834.98
Total $1,298,422.36 $160,627.05 $396,000.00 $1,855,049.41

Today's Rates

30 Year

6.68%

20 Year

6.55%

15 Year

6.13%

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Market insight data is pulled from the same city as the listing being viewed (Morganton, 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.
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Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-08-02T04:00:06.000Z

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