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  • $699,900

    2185 Cottage Park Rd, Morganton, NC 28655

    4beds
    2,742sqft
    : 
    $4,447/mo
    Get pre-qualified
    Single Family Residence
    Built in 2008
    1.07 Acres Lot
    $682,000 Zestimate®
    $255/sqft
    $92/mo HOA

    What's special

    Second fireplaceStunning rock fireplaceSoaring cathedral ceilingsSpacious bonus roomTray ceilingReal hardwood floorsCustom tiled walk-in shower
    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.
    37 days
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    607
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    37
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    Zillow last checked:

    Listing updated:

    Listed by:

    Christie Leonard ChristieLeonardHomes@gmail.com,

    WNC Real Estate at Lake James

    Source: Canopy MLS as distributed by MLS GRID,MLS#: 4388152MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      • Main level bedrooms: 2
      Primary bedroom
      • Level: Main
      Bedroom s
      • Level: Main
      Bedroom s
      • Level: Upper
      Bathroom full
      • Level: Main
      Bathroom full
      • Level: Upper
      Bathroom full
      • Level: Main
      Bonus room
      • Level: Upper
      Bonus room
      • Level: Lower
      Dining area
      • Level: Main
      Kitchen
      • Level: Main
      Laundry
      • Level: Main
      Laundry
      • Level: Main
      Living room
      • Level: Main
      Sunroom
      • Level: Main
      Heating
      • Heat Pump, Propane
      Cooling
      • Ceiling Fan(s), Heat Pump
      Appliances
      • Included: Dishwasher, Electric Range, Exhaust Fan, Microwave, Refrigerator with Ice Maker, Tankless Water Heater
      • Laundry: Main Level
      Features
      • Breakfast Bar, Open Floorplan, Pantry, Walk-In Closet(s), Other - See Remarks
      • Flooring: Tile, Wood
      • Windows: Insulated Windows, Window Treatments
      • Has basement: No
      • Fireplace features: Gas Log, Gas Unvented, Gas Vented, Living Room, Propane, Recreation Room
      Interior area
      • Total structure area: 2,742
      • Total interior livable area: 2,742 sqft
      • Finished area above ground: 2,742
      • Finished area below ground: 0

      Property

      Parking
      • Total spaces: 2
      • Parking features: Driveway, Attached Garage, Garage Faces Front, Garage on Main Level
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      Features
      • Levels: One and One Half
      • Stories: 1.5
      • Patio & porch: Front Porch
      • Exterior features: In-Ground Irrigation
      • Pool features: Community
      • Waterfront features: Other - See Remarks
      • Body of water: Lake James
      Lot
      • Size: 1.07 Acres
      • Features: Private, Sloped, Wooded
      Details
      • Additional structures: Outbuilding
      • Parcel number: 1763183552
      • Zoning: R-1
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Rustic
      • Property subtype: Single Family Residence
      Materials
      • Stone Veneer, Wood
      • Foundation: Crawl Space
      Condition
      • New construction: No
      • Year built: 2008

      Utilities & green energy

      • Sewer: Septic Installed
      • Water: City
      • Utilities for property: Electricity Connected, Propane

      Community & HOA

      Community
      • Features: Boat Storage, Clubhouse, Gated, Recreation Area
      • Security: Smoke Detector(s)
      • Subdivision: Cottage Park
      HOA
      • Has HOA: Yes
      • HOA fee: $1,100 annually
      • HOA name: Julie Gonzalez
      • HOA phone: 828-484-0469
      Location
      • Region: Morganton

      Financial & listing details

      • Price per square foot: $255/sqft
      • Tax assessed value: $516,621
      • Annual tax amount: $3,476
      • Date on market: 6/29/2026
      • Cumulative days on market: 37 days
      • Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
      • Electric utility on property: Yes
      • Road surface type: Concrete, Paved

        Estimated market value

        $682,000

        $648,000 - $716,000

        $3,060/mo

        Price history

        DateEventPrice
        6/29/2026Listed for sale$699,900+72.8%$255/sqft
        Source: Canopy MLS as distributed by MLS GRID #4388152 Report a problem
        9/2/2020Sold$405,000-4.7%$148/sqft
        Source: Canopy MLS as distributed by MLS GRID #3598957 Report a problem
        8/1/2020Pending sale$424,999$155/sqft
        Source: WNC Real Estate at Lake James #3598957 Report a problem
        7/6/2020Price change$424,999-2.3%$155/sqft
        Source: WNC Real Estate at Lake James #3598957 Report a problem
        3/17/2020Listed for sale$434,999+21.2%$159/sqft
        Source: WNC Real Estate at Lake James #3598957 Report a problem
        2/12/2016Sold$359,000$131/sqft
        Source: Canopy MLS as distributed by MLS GRID #16536 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,476 -0.6%$516,621
        2024$3,498 $516,621
        2023$3,498 +20.2%$516,621 +45.2%
        2022$2,911 +0.2%$355,797
        2021$2,905 -0.3%$355,797 -0.5%
        2020$2,914 +266.4%$357,529
        2019$795 -69.3%$357,529 +9.9%
        2018$2,594 +3.7%$325,417
        2017$2,501 $325,417 +1.5%
        2016$2,501 -1.3%$320,499 +0.9%
        2015$2,534 $317,714
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 28655

        Getting around

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        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Glen Alpine
        • Middle: Table Rock
        • High: Freedom

        Source: Canopy MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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