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130 Settlement Ridge Dr #48, Marion, NC, 28752

0beds
--baths
399sqft
$490,000
$1,228price/sqft
$3,064/moest. monthly cost
$122,560/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
2/10
McDowell High SchoolGrades 9-123.9 mi

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
    Inland FloodingVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Cold Wave
Hail
Landslide
Strong Wind
Tornado

FEMA Declared Disasters in McDowell County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $2,477$29,724
Home Insurance *$187$2,244
Property Taxes $200$2,400
Electricity $200$2,405
Total$3,064$36,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,051/yr
40% on housing$91,920/yr
45% on housing$81,706/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

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.

Insurance Growth Rate5-year average: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,228This listing

vs Other Active Listings

Avg $/sqft

ZIP 28752$169
McDowell County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 28752$194
McDowell County$232

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

DateEventPrice
2026-06-04Listed for sale$490,000

For Sale by Agent

AgentDianne Reihl
BrokerageEngel & Volkers Foothills Lake James

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