McDowell Homes with HOA

McDowell Homes with HOA

Located in the beautiful state of North Carolina, McDowell County is a hidden gem that offers a plethora of opportunities for homebuyers. With its picturesque landscapes, vibrant communities, and rich history, McDowell County is a place that truly captures the essence of southern living.

One of the notable features of homes in McDowell County is the presence of Homeowners' Associations (HOAs). For those seeking a sense of community and added amenities, homes with HOAs are an excellent choice. These associations ensure that the neighborhood remains well-maintained and uphold certain standards, creating a cohesive and attractive environment for residents.

Living in a home with an HOA comes with its perks. Homeowners often enjoy access to amenities such as swimming pools, fitness centers, parks, and community events. Additionally, HOAs take care of common area maintenance, landscaping, and even some utility services. This not only saves homeowners time but also contributes to the overall value and appeal of the neighborhood.

Homes with HOAs in McDowell County provide a sense of security and peace of mind. The associations typically enforce rules and regulations that promote a safe and harmonious living environment. These guidelines may cover topics such as architectural restrictions, noise control, and pet regulations, ensuring that the neighborhood maintains its charm and tranquility.

If you are looking for a home in McDowell County, consider exploring the options with HOAs. These communities offer a unique blend of convenience, amenities, and a strong sense of belonging, making them an attractive choice for many homebuyers.

Newest McDowell Homes with HOA

$2,800,000
4 Beds ⋅ 5 Baths ⋅ 4426377 MLS ⋅ 4,629 SqFt. ⋅ COMING SOON Status
Welcome to an extraordinary custom-built lakefront retreat on Lake James, where exceptional craftsmanship and the beauty of the lake and Blue Ridge Mountains come together on 2.64 private acres. Complete with a covered aluminum dock and boat lift, this 4-bedroom, 4.5-bath home, built in 2014, offers over 4,600 square feet across three thoughtfully designed levels. What sets this property apart is the rare combination of lakefront living, mountain views, and a home designed to feel deeply connected to both. Expansive windows frame the lake and layer upon layer of Pisgah ridgelines, with Mount Mitchell rising in the distance. The west-facing orientation delivers spectacular sunsets, while mornings are equally moving as early sunlight gently washes over the lake and mountains, slowly revealing the depth and beauty of the landscape. The main living area is anchored by a stone fireplace featuring a premium Fireplace Xtrordinair® wood-burning system, generous stone hearth, and rustic mantel—an architectural focal point that brings warmth, texture, and distinctive mountain character to the space. The well-appointed kitchen features custom cabinetry, granite countertops, and a beautifully textured ceiling-to-countertop mosaic backsplash in soft, natural tones. Thoughtfully designed for both everyday living and entertaining, the kitchen flows naturally into the adjoining living and gathering spaces. Each of the four bedrooms enjoys a view of the lake or surrounding mountains, allowing all to wake to a landscape that continually changes with the light, weather, and seasons. Outdoor living is equally inviting with an expansive wraparound porch, outdoor fireplace, and fire pit overlooking the surrounding landscape. The floating covered dock provides easy access for swimming, boating, kayaking, paddleboarding, and fishing. The finished walkout lower level provides additional space for gathering, recreation, and relaxation, with convenient access to the outdoors and the beauty of the surrounding property. Life here extends well beyond the home's walls. The lake becomes an extension of everyday living. Trails within the community invite hiking and time outdoors, and don’t forget the great amenities at Camp Lake James. Whether the day is spent exploring or simply resting in the stillness, this home offers something increasingly rare—a true sense of refuge, peace, and connection.

1264 Ten Whigs Ridge, Nebo

Listing courtesy of Berkshire Hathaway HomeServices Carolinas Realty. Lori.Guggenbiller@BHHSCarolinas.com
$19,000
4427132 MLS ⋅ ACTIVE Status
Discover the perfect place to build your dream home on this 1.46-acre parcel tucked away in a quiet cul-de-sac in the desirable Forest Heights subdivision in Marion, NC. Enjoy beautiful scenic views in the fall and winter months and a peaceful setting surrounded by the natural beauty of the North Carolina mountains. When the trees are cut for development, year-round views may be possible. This spacious lot offers plenty of room to create your ideal home and outdoor living spaces. The cul-de-sac location provides a quieter setting with limited through traffic, while the property's convenient location puts you just a short drive from beautiful Lake James, offering opportunities for boating, fishing, swimming, hiking, and enjoying the outdoors. Whether you're ready to build your forever home, vacation home or looking for a beautiful piece of property in the Lake James area, this lot offers a wonderful combination of privacy, views, convenience, and mountain living. Build your dream home in a private gated subdivision minutes from the charming towns of Marion and Morganton. It is also listed below tax value!

TBD Trail Ridge Drive Unit #113, Marion

Listing courtesy of The Marion Agency LLC. cindyledbetter@gmail.com
$399,900
2 Beds ⋅ 2 Baths ⋅ 4425004 MLS ⋅ 1,282 SqFt. ⋅ ACTIVE Status
Rustic mountain home tucked away on 1.3 acres in the gated community of Grandview Peaks, in the heart of the Blue Ridge Mountains! Come see this charming 2 bedroom, 2 bathroom home offering seclusion in a naturally wooded mountain setting while still enjoying the peace of mind and comfort of being part of an active, gated community. This home makes the perfect weekend getaway to escape the hustle & bustle and reconnect with nature and with yourself. Nestled in the woods, it's the only home in a quiet cul-de-sac on a private side street. Inside, the inviting layout opens into a family room with high ceilings and large gabled windows that connect you to the natural light and scenery of the surrounding forest. Enjoy meals or evening drinks on the open deck or inside at the dining table off the kitchen. The wooden cabinetry and stainless appliances blend the rustic with the modern. There's a full bathroom and bedroom on the main floor along w/ a laundry closest. Upstairs is a loft overlooking the family room - an ideal setting for a home library or craft space. The primary en-suite bedroom is spacious and includes a walk-in closet. Both bathroom floors are heated for comfort. While there's currently not a garage, the land to the right of the home offers a gentle slope, making adding a garage or carport a breeze. The community offers a wealth of social clubs and weekly gatherings so it's easy to meet neighbors and make friends. Residents can fish, swim, and kayak at the community lake or sunbath and picnic at the beach & lakeside pavilion. There are also miles of community hiking trails with picnic stops along the way. Just a short, easy drive away you'll find Marion & Morganton offering a wealth of restaurants, healthcare, shopping and small-town charm. Come see this picture-book mountain home today!

77 Dunn Trail, Nebo

Listing courtesy of Engel & Volkers Foothills Lake James. Cory.coady@evrealestate.com
$425,000
2 Beds ⋅ 2 Baths ⋅ 4425232 MLS ⋅ 1,201 SqFt. ⋅ ACTIVE Status
Welcome to your mountain retreat in Cascade Highlands, a desirable gated, lock-and-leave community just minutes from I-40 and Lake James. Conveniently located between Asheville, Hickory, Black Mountain, Marion, and Old Fort, this meticulously maintained cabin offers the perfect combination of privacy, convenience, recreation, and flexibility—ideal as a primary residence, short-term rental, or a personal escape. Inside, the thoughtfully designed floor plan features a bedroom and full bath on the main level, main-level laundry, and an inviting living area with a wood-burning stove. Upstairs, the private primary suite offers an ensuite bathroom and walk-in closet, while the spacious loft provides an ideal home office, reading area, or flex space. A wrap-around deck extends the living space outdoors and offers a wonderful setting for morning coffee, entertaining, and enjoying the peaceful wooded surroundings and seasonal winter views. The property also features a fully fenced side and backyard, large parking pad, and detached two-car garage with water and electricity. The garage upper level is framed and ready for conversion into a studio, workshop, in-law suite, or additional rental space, providing exceptional potential for hobbies, guests, extended family, or income-producing use. Cascade Highlands offers beautiful recreation areas. A community pond in the center of the development and river access with two picturesque cascades and natural boulder formations. With short-term rentals allowed, this home provides the rare opportunity to live comfortably as a full-time primary residence, generate rental income, and enjoy a private mountain getaway whenever you choose. Experience the best of Western North Carolina mountain living in a peaceful, well-maintained gated community with easy access to the region’s abundant outdoor adventures and charming towns.

314 Old Mill Road, Nebo

Listing courtesy of Carolina Mountain Sales. Holly.Martin@CarolinaMountainSales.com
$2,249,000
4425728 MLS ⋅ ACTIVE Status
Amazing 360 degree views of the Blue Ridge Mountains from Grandfather, Shortoff Mt & Linville Gorge to Mt Mitchell and the South Mountains. This one of a kind property has been improved with a graded drive, level homesite, has had a well installed and has been perced for a 4 Bedroom home. A new covered dock is currently being built and will be installed soon. Shoreline stabilization has also been approved and will commence shortly. If you have been dreaming of a mountain lake home with the Blue Ridge and Lake James views, don't wait to take a look at this 5.2 acres private waterfront property. The Pointe at Lake James is a gated community of just 5 lots on a large peninsula next to Big Island on the south shore of the lake. Easy access into Marion for shopping and entertainment is just 10 minutes away. Asheville is just 45 minutes away. Nearby Pisgah NF, Lake James State Park and Fonta Flora State Trail provides miles of hiking and biking trails.

84 Peninsula Drive Unit #3, Marion

Listing courtesy of Engel & Volkers Foothills Lake James. polly.leadbetter@evrealestate.com
$529,000
2 Beds ⋅ 2 Baths ⋅ 4423399 MLS ⋅ 1,367 SqFt. ⋅ ACTIVE Status
Set back on 2.5 acres in the secure gated community of Hidden Lake, this beautifully maintained 2-bed/2-bath log cabin offers a combination of tranquility and modern pet-friendly comforts. Whether you’re seeking a full-time residence, vacation getaway, or STR investment, this checks all the boxes! With the opportunity create equity with an unfinished walkout basement and infrastructure for a 3rd bed & bath! Step inside to a sunny 2 story great room featuring a remote controlled stone fireplace. High-end finishes and features are utilized throughout including a triple water filtration system with UV. Step outside to enjoy mountain living at it's best, with a beautifully landscaped yard featuring a large fire pit, dual fuel BBQ, Smoker, Fenced dog area, and a private 10-acre lake, ideal for canoeing and kayaking. It's a short walk to the communities' lakeside park, pool, & spa! Located just 45 minutes from Asheville, its a easy drive to World-Class Dining, Entertainment, Hiking & Biking!

106 Lake Terrace Drive, Nebo

Listing courtesy of LPT Realty, LLC. 828-606-2496
$695,000
4 Beds ⋅ 4 Baths ⋅ 4426202 MLS ⋅ 3,815 SqFt. ⋅ ACTIVE Status
Welcome to your private mountain haven, combining spacious living, serene surroundings, and exceptional updates just minutes from town. Situated on a sprawling 1.18-acre lot, this property offers a peaceful mountain living experience, highlighted by an expansive, covered wrap-around porch ideal for quiet mornings or relaxing evenings. Step inside through a gracious entryway that flows into the heart of the home, featuring a gourmet chef's kitchen equipped with luxurious cherry cabinetry, a gas cooktop, double ovens, a fresh tile backsplash, and appliances all under two years old. The kitchen connects effortlessly to a comfortable family room and a dedicated dining area, creating an inviting layout for daily living and entertaining. Practicality meets convenience on the main level with a full-size laundry room where the washer and dryer convey, alongside a full bathroom. Completing this floor is a private bedroom paired with a half bath, an ideal spot for guests, and a flexible extra room that serves as a home office or study. Ascending to the upper level reveals the private sleeping quarters, including a luxurious primary suite, two additional generously sized bedrooms, a full bathroom, and an upstairs office space complete with built-in bookcases. The standout feature of the upper floor is the massive rec room, which serves as the ultimate entertainment hub and comes complete with a pool table that stays with the home. An additional finished room situated just off the rec room is ideal for a hobby room, home gym, or media center. Beyond the interior, the property offers superb utility, highlighted by an oversized three-car garage providing abundant parking and workshop space. Significant recent upgrades provide incredible peace of mind, including a brand-new upstairs HVAC system, a new well pump, a whole-house water filtration system, an attic fan to reduce summer energy costs, and exterior gutter guards. Fresh paint and new sinks and vanities in the bathrooms complete the interior refresh, with furniture also available for purchase separately. Located less than 10 minutes to Downtown Marion for local shops and dining, and only 30 minutes to Black Mountain and 40 minutes to Asheville, this remarkable property truly combines expansive, comfortable living with an unbeatable, accessible location.

273 Cross Creek Drive, Marion

Listing courtesy of Howard Hanna Beverly-Hanks Freestone Properties. hope.burk@allentate.com
$259,900
2 Beds ⋅ 2 Baths ⋅ 4425257 MLS ⋅ 1,928 SqFt. ⋅ ACTIVE Status
2-Bedroom Townhouse Near Town, Lake James & I-40 Conveniently located just outside the city limits and only a short distance from town, this 2-bedroom, 1½-bath, two-story townhouse offers a great opportunity to update and make it your own. The home features a practical layout with bedrooms upstairs, a basement for additional space or storage. The low-maintenance exterior makes ownership easier, while the HOA manages the community’s common areas and pool, allowing you to enjoy the amenities without the upkeep. Situated in a long-established community, this townhouse offers a convenient setting close to shopping, dining, the hospital, and other everyday necessities. Outdoor recreation at Lake James is just a short drive away, and easy access to I-40 makes commuting and exploring the surrounding area convenient. Bring your vision and updates to create a comfortable home or investment property in a well-established community with a desirable location.

75 Laurelwood Drive Unit #73, Marion

Listing courtesy of Whitson Realty. dennisw@whitsonrealty.com
$625,000
3 Beds ⋅ 2 Baths ⋅ 4425294 MLS ⋅ 2,393 SqFt. ⋅ ACTIVE Status
Welcome to your mountain retreat in Grandview Peaks, a private gated community nestled in the beautiful mountains in Western North Carolina! This inviting home showcases breathtaking long-range mountain views, including iconic Grandfather Mountain, Table Rock, Hawksbill, and Shortoff. Designed for easy living, the home offers a comfortable one-level layout with additional finished space in the walk-out basement. The main level features a great room filled with natural light and beautiful views, along with a well-appointed kitchen with island. The main-level bedroom, full bath and laundry provide convenient one-level living. The second bedroom on the main level features a Murphy bed and a ladder leading to a loft area. The finished walk-out basement offers a second bedroom and full bath with patio access, plus a recreation room and additional flex space, creating space for a home office or hobbies. There are mountain views in the lower level as well. Enjoy the peaceful surroundings from the covered deck or gather around the fire pit while taking in the quiet mountain setting. Beautiful landscaping includes a variety of established perennials, and a detached garage provides convenient parking and storage. Grandview Peaks offers an exceptional mountain lifestyle with a private lake, hiking and nature trails, a lakeside pavilion and picnic areas. The gated community's peaceful setting, paved roads, abundant green space, and spectacular mountain scenery make it easy to enjoy the outdoors right at home. A wonderful opportunity to own a mountain getaway or full-time residence surrounded by the natural beauty of Western North Carolina.

2262 Grandview Peaks Drive, Nebo

Listing courtesy of Berkshire Hathaway HomeServices Blue Ridge REALTORS®. lemulwee@bellsouth.net
$125,000
4421391 MLS ⋅ ACTIVE Status
Beautiful homesite in a desirable location with stunning mountain views! Located in a private gated neighborhood, hidden lake. This property offers the perfect blend of privacy, peace and breathtaking mountain views! Enjoy the mountain way of life with plenty of space to create your dream private retreat. Hidden lake neighborhood is a gated community perfect for creating your dream home, enjoy a fishing dock, boardwalk, picnic tables, and outdoor grills right in the comfort of your neighborhood. The perfect chance for you to build a home surrounded by nature, privacy, and incredible views. Your own private piece of western North Carolina awaits.

101 Jill Drive, Nebo

Listing courtesy of Jay Brown, Realtors. malia@jaybrownrealtors.com
$630,000
3 Beds ⋅ 2 Baths ⋅ 4425169 MLS ⋅ 2,958 SqFt. ⋅ ACTIVE Status
Nestled in the breathtaking Blue Ridge Mountains of Marion, NC, 335 James View Road offers a rare mix of private acreage, self-sufficient infrastructure, and high-end mountain design. Built new in 2022, this meticulously crafted home catches your eye right away with its striking timber-green exterior, durable metal roof, and an expansive covered porch finished with polished wood ceilings and modern wire railings.Inside, the bright, open-concept layout flows effortlessly into a standout chef’s kitchen, where a massive breakfast bar with a premium, live-edge wood counter serves as the ultimate gathering spot. The home features a convenient attached 2-car garage, offering plenty of space for vehicles and outdoor gear. Downstairs, there's a fully finished basement, offering the perfect spot for a home gym, office, or game room. Best of all, short-term rentals are allowed in the Lakewood subdivision, making this property an excellent investment opportunity or flexible vacation home. You are just minutes from the water, public boat ramps, and endless recreation of Lake James. When you want a taste of town life, downtown Marion is just a quick 5-minute drive away, putting local craft breweries, dining, and shopping right at your fingertips. It is the perfect blend of mountain seclusion, lake fun, and town convenience.

335 James View Road, Marion

Listing courtesy of GreyBeard Realty. dave@greybeardrealty.com
$40,000
4425010 MLS ⋅ ACTIVE Status
Your Lake James-area dream starts here! This beautiful 2-acre, approximately 85% cleared lot offers gently rolling, elevated terrain in a scenic gated community. With both front and rear property access, this property provides plenty of open space and flexibility for your future home. Enjoy a peaceful setting with the community pool just a short walk away, while being conveniently located near the outdoor recreation and natural beauty of Lake James. Bring your vision and start planning the home you’ve been dreaming of!

91 Meadows Station Drive, Nebo

Listing courtesy of C. Rice and Associates LLC. Holly.criceandassociates@gmail.com
Start Your Search

“The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Real Estate Company nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing. © 2026 Carolina Multiple Listing Services, Inc.”