




130 Settlement Ridge Dr #48, Marion, NC, 28752
About This Home
Welcome to Camp Catawba, Lake James NC! Truly Paradise Found! Tucked quietly into the heart of the most exclusive community known as Black Forest bordering the Catawba River, this rare artists cottage offers a chance to experience mountain/lake living in its purest form. Set within an exclusive 600 acre private , gated community on Lake James with only 50 homesites, the cabin rests on 3 private acres bordering protected, community owned conservation land creating an extraordinary sense of privacy, peace and connection to nature. This could be your tiny house while you build your main residence further up on the land or just come down for the weekend to enjoy the lake and relaxation. Designed with warmth and authenticity in mind, the cabin is wrapped in low maintenance poplar bark siding crafted with natural reclaimed woods throughout, giving the feel of a timeless woodland hideaway. The interior is cozy, inviting and intentionally simple... a place where mornings begin with birdsong and coffee on the screened porch or covered front porch and evenings end beside the glow of sunset off the back deck. Whether used as a weekend escape, creative retreat or future mountain homestead, the property allows flexibility rarely found in such a protected setting. The cabin allows for a simpler lifestyle close to nature, while still offering the opportunity to add a private well and septic system in the future if desired. The homesite also provides an additional building envelope with room for guest quarters, a studio,garage, workshop,or expanded living space- all while maintaining the natural beauty and privacy that make Black Forest so special. Surrounded by native hardwoods, mountain air and quiet trails this property feels worlds away while remaining part of one of the areas most unique and thoughtfully preserved developments. The existing 399 sq ft cabin offers spacious living room with reclaimed chestnut flooring, opening to large 204 sq ft heated screened porch which provides more living space and an open deck for grilling, overlooking the North Fork of Catawba River with views of the surrounding mountains an. Antique stained glass windows imported from France and hardware from Nepal. 50 sq ft loft for storage,etc.. This darling cabin/artist day studio has all of the perks of lake living without the premium price. A scenic walk approximately 1/3 mile (5 minute walk) from the cabin leads to the Lake Camp which includes your deeded boat slip #14 and pavilion . Enjoy easy access to the lake for boating, kayaking, fishing or simply relaxing along the shoreline while surrounded by the quiet beauty of the mountains. Also included is the River Camp with easy places to launch your kayak and fishing piers. This gated community offers a full time on site caretaker, a community building for cozy neighborhood get togethers and heli-pad . Only minutes to downtown Marion for dining, shopping, entertainment,etc. Also just 20 minutes to some of the best mountain biking and hiking trails at Fonta Flora State Park or Paddys Creek State Park. Truly nature's playground!
Getting Around
Schools
Construction
Condition
- Year built: 2017
Materials
- Foundation: Other - See Remarks
- Roof: Composition,Metal
- Construction materials: Wood,Other
Other
- Builder name: Travis Crook
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Refrigerator
- Laundry features: None
Features
- Open Floorplan
- Door features: Insulated Door(s),Sliding Doors
- Window features: Insulated Windows
- Flooring: Wood
- Finished area below ground: 0
- Finished area above ground: 399
Heating & Cooling
- Heating features: Ductless,Electric
- Cooling features: Ceiling Fan(s),Ductless,Window Unit(s)
Interior Area
- Total structure area: 399
- Total interior livable area: 399 sqft
Kitchen
- Level: Main
Living Room
- Features: Cathedral Ceiling(s),Ceiling Fan(s),Open Floorplan
- Level: Main
Loft
- Features: Storage
- Level: Upper
Property
Details
- Parcel number: 171300538548
- Zoning: R-1
- Special condition: Standard
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Covered,Deck,Front Porch,Screened
- Has view: Yes
- View description: Long Range,Mountain(s),Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Boat Slip (Deed),Boat Slip – Community,Paddlesport Launch Site
- Waterbody name: Lake James
Lot
- Lot size: 3.15 Acres
- Features: Private,Rolling Slope,Wooded,Views
Parking
- Total spaces: 2
- Parking features: Driveway
- Has uncovered spaces: Yes
- Uncovered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Ice Storm
- Lightning
- Cold Wave
- Hail
- Landslide
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in McDowell County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,477 | $29,724 |
| Home Insurance * | $187 | $2,244 |
| Property Taxes | $200 | $2,400 |
| Electricity | $200 | $2,405 |
| Total | $3,064 | $36,768 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-04 | Listed for sale | $490,000 |
For Sale by Agent
