2185 Cottage Park Road

 
Loading...
Schedule Tour
What is your preferred tour date?
Selected Date:

Thank You!

You will be hearing from us soon. In the meantime, if you'd like to learn more about this property, click here

Start a New Search


If You Have Any Other Questions, Call Us At 1(888)-247-3466

Bed: 4
Bath: 3
1/2 Bath: 0
Sq. Ft.: 2,742
Acreage: 1.07

Community: Morganton in Burke County

Bed: 4
Bath: 3
1/2 Bath: 0
Sq. Ft.: 2,742
Acreage: 1.07

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.

Listed by WNC Real Estate at Lake James
Attribution: [email protected]
Original Listing Price: 699,900
MLS #: ‍4388152
Listing Status: Active
Days on Market: 1
Buying Firm Commission: Test

Based on information submitted to the MLS GRID as of 2026-06-30 at 11:00AM. 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.

Displays of minimal information (e.g. “thumbnails”, text messages, “tweets,” etc., of two hundred (200) characters or less) are exempt from this requirement but only when linked directly to a display that includes all required disclosures. For audio delivery of listing content, all required disclosures must be subsequently delivered electronically to the registered consumer performing the property search or linked to through the devices application.

Some IDX listings have been excluded from this website.

Copyright © 2026. All rights reserved.

Map

close
  • Mapbox
  • Google
  • Topo Map

Disclaimer: The map service includes search results such as listings and related information provided by third parties. Walnut Cove Realty makes no representations or warranties regarding the accuracy or completeness of the information provided by these third parties.

View Directions on Map

Property Features

close
Water: City
Year Built: 2008
Association Fee: 1100
Style: Rustic
Floors: Tile,Wood
Basement/Foundation: Crawl Space
Subdivision: Cottage Park
Sewer: Septic Installed
Heating/Cooling: Heat Pump,Propane
Exterior Features: In-Ground Irrigation
Roof: Architectural Shingle
Lot Description: Private,Sloped,Wooded
Cooling: Ceiling Fan(s),Heat Pump
Garage/Carport: Driveway,Attached Garage,Garage Faces Front
Community Features: Boat Storage,Clubhouse,Gated,Outdoor Pool,Recreation Area
Interior Features: Breakfast Bar,Open Floorplan,Pantry,Split Bedroom,Walk-In Closet(s),Other - See Remarks

Mortgage Calculator

close
  • Payment Calculator
  • Qualifying Income
  • How much can I afford?
Purchase Price:
$
Down Payment:
$
Interest Rate:
%
Amortization Period:
Years
Results:
Monthly payment including interest:
$
Estimated Monthly Payment:
$
Annual Salary:
$
Other Annual Income
$
Annual Property Tax:
$
Annual Home Insurance:
$
Monthly Debt Payments:
$
Loan Criteria
Combined Annual Gross Income:
Wages Per Month:
Total Debt:
Results:
PITI using 36% RATE A:
PITI using 28% RATE B:
Monthly Payment Cap (RATE A):
Monthly Payment Cap (RATE B):
RATE A
The 36% income is based on the PITI (mortgage principal plus interest amount plus your monthly property tax and home insurance), PLUS any other debt payments you must pay every month.
RATE B
The 28% income is based on PITI (Principal + Interest + Tax + Insurance) or more specifically, the mortgage principal plus interest amount plus your monthly property tax and home insurance the lender typically holds in an escrow account for you.
Down Payment:
$
Total Monthly Payment:
$
Length of Loan (years):
Interest Rate (%):
%
Property tax rate (1% = $1000/yr for 100K house):
%
Home Owners Insurance:
$
Mortgage Insurance Premium (generally between $1000 and $5000 per year):
$

By making a down payment of $ and paying $ per month, you will able to afford a home that costs $ . You will need to qualify for a loan of $.

Summary of Your Monthly Payment
Principal and Interest:
Taxes and Insurance:
Mortgage Insurance:

Schools

close
  • High School: Freedom
  • Middle School: Table Rock
  • Elementary School: Glen Alpine
All Filters
Filter By Price
No Min
To
No Max