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John KurtzNational Real Estate

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Morganton · Morganton, NC

2185 Cottage Park Road

Morganton, NC · 2,742 sqft

$699,900

  • 4Beds
  • 3Baths
  • 2,742SqFt
  • 2008Year

About this home

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.

Property details

Beds
4
Baths
3
SqFt
2,742
Lot
Year built
2008
Type
Single Family
Garage
2
Style
Rustic
Heating
Heat Pump, Propane
Cooling
Ceiling Fan(s), Heat Pump
Foundation
Crawl Space
Flooring
Tile, Wood
HOA dues
$1,100 / yr

Features

  • Breakfast Bar
  • Open Floorplan
  • Pantry
  • Split Bedroom
  • Walk-In Closet(s)
  • Other - See Remarks
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$5,242/ month

Principal & interest
$4,334
Property tax (~1.05%)
$612
Homeowners insurance
$204
HOA dues
$91

Down payment

$34,995 down · $664,905 financed

Income to qualify (28% rule)

~$224,695 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.