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$699,900
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Property 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.
Full Property Details
Full Property Details for 2185 Cottage Pk Rd
General
- Price: $699,900
- HOA FEE: $92/month
- HOA FEE FREQ.: Annually
- Status: Active
- Type: Single Family
- Source: Charlotte_Regional_Realtor_Association
- MLS ID: 4388152
- Updated: 7/2/2026
- Added to Site: 10 day(s) ago
Interior
- Interior Features: Breakfast Bar, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s), Other - See Remarks
- Fireplace: Yes
- Fireplace(s): Gas Log, Gas Unvented, Gas Vented, Living Room, Propane, Recreation Room, Gas Log, Gas Unvented, Gas Vented, Living Room, Propane, Recreation Room
- Appliances: Dishwasher, Electric Range, Exhaust Fan, Microwave, Refrigerator with Ice Maker, Tankless Water Heater
- Flooring: Tile, Wood
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
- Upper - Full Baths: 1
- Main - Full Baths: 2
Bedrooms
- Total Bedrooms: 4
- Bedrooms Upper: 2
- Bedrooms Main & Up: 2
Other Rooms
- Laundry: Main Level
Additional Information
- Shared Amenities: Boat Storage, Clubhouse, Gated, Outdoor Pool, Recreation Area
- Pool: Yes
- Equipment: Fuel Tank - Leased
Exterior
- Exterior Features: In-Ground Irrigation
Parking
- Garage: Yes
- Garage Description: 420 Sq. Ft.
- Garage Spaces: 2
- Parking Features: Driveway, Attached Garage, Garage Faces Front
Location
- County: Burke
- Subdivision: Cottage Park
School Information
- Elementary School: Glen Alpine
- Middle School: Table Rock
- High School: Freedom
Community
- Assoc. Name: Julie Gonzalez
Heating & Cooling
- Cooling Type: Ceiling Fan(s), Heat Pump
- Heating Type: Heat Pump, Propane
Utilities
- Sewer: Septic Installed
- Water: City
- Utility Description: Electricity Connected, Propane
Structural Information
- Architectural Style: Rustic
- Construction: Site Built
- Exterior Const.: Stone Veneer, Wood
- Roof: Architectural Shingle
- Upper: 1,047 Sq. Ft.
- Main/1st Level: 1,695 Sq. Ft.
- Year Built: 2008
Lot Features
- Street/Road Desc.: Concrete, Paved
- Lot Features: Private, Sloped, Wooded
Water Features
- Water Front Name: Lake James
Financial Considerations
- Association Fee: $1,100
- Assoc Fee Freq.: Annually
- Terms: Cash, Conventional, FHA, USDA Loan, VA Loan
Disclosures and Reports
- Restrictions: Deed, Livestock Restriction, Manufactured Home Not Allowed, Modular Not Allowed, Square Feet, Subdivision
- Property ID: 1763183552
- Lot Number: 2486/344
Listed by WNC Real Estate at Lake James
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Schools
Schools serving 2185 Cottage Pk Rd
School District:Burke County Schools
| Name | Grades | Distance |
|---|---|---|
Glen Alpine Elementary 302 London Street, Morganton, NC 28655 | PK-5 | 3 mi |
Table Rock Middle 1585 North Carolina 126, Morganton, NC 28655 | 6-8 | 3.3 mi |
Freedom High 511 Independence Boulevard, Morganton, NC 28655 | 9-12 | 6.2 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 2185 Cottage Pk Rd
Date
Details
Price
Change
Source
6/29/2026
Listed
$699,900
72.81%
MLS
8/27/2020
Sold
$405,000
—
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 2185 Cottage Pk Rd
Year
Property Taxes
Change
Tax Assessment
Change
2025
$3,476
-1%
$516,621
—
2023
$3,498
20%
$516,621
45%
2022
$2,911
—
$355,797
—
2021
$2,905
—
$355,797
—
2020
$2,914
2%
$357,529
—
2019
$2,843
10%
$357,529
10%
2018
$2,594
—
$325,417
—
2017
$2,592
4%
$325,417
2%
2016
$2,501
-1%
$320,499
1%
2015
$2,534
6%
$317,714
1%
2014
$2,396
—
$315,575
—
2013
$2,396
—
$315,575
—
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 2185 Cottage Pk Rd
2185 Cottage Park Road, Morganton, NC 28655 (MLS# 4388152) is a Single Family property with 4 bedrooms and 3 full bathrooms. 2185 Cottage Park Road is currently listed for $699,900 and was received on June 29, 2026. Want to learn more about 2185 Cottage Park Road? Do you have questions about finding other Single Family real estate for sale in Morganton? You can browse all Morganton real estate or contact a Coldwell Banker agent to request more information.

