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John KurtzCharlotte · NC

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Lake Toxaway · Lake Toxaway, NC

124 Flat Creek Drive

Lake Toxaway, NC · 1,728 sqft

$337,900

Reduced from $369,000

  • 2Beds
  • 2Baths
  • 1,728SqFt
  • 1995Year
  • 187Days on market

About this home

Welcome to 124 Flat Creek Drive—an elegant mountain retreat ideally positioned in the heart of Lake Toxaway, North Carolina. Set on a serene, wooded +/- 1-acre parcel, this thoughtfully upgraded residence offers a rare blend of privacy, natural beauty, and effortless access to the region’s most coveted outdoor destinations. Just minutes from the breathtaking trails and waterfalls of Gorges State Park and the renowned recreation of DuPont State Forest and Pisgah Nation Forest, this property serves as an exceptional haven for those who appreciate both comfort and adventure. Inside, the home showcases a light-filled, open-concept design that seamlessly unites the living, dining, and kitchen areas—ideal for elevated everyday living or gracious entertaining. Tasteful interior upgrades and abundant natural light create a warm yet sophisticated atmosphere. With two well-appointed bedrooms and two nice bathrooms, the floor plan offers both function and refined style. The covered side porch extends the living space outdoors, inviting you to relax in a tranquil setting surrounded by mature trees and the soothing ambiance of the mountains. In addition to its residential appeal, this property presents outstanding short-term rental investment potential. Lake Toxaway’s year-round demand for small mountain escapes—paired with proximity to premier natural attractions—positions this home as an attractive income-producing asset without sacrificing its charm as a personal retreat. A compelling blend of upscale comfort, natural serenity, and strategic opportunity, 124 Flat Creek Drive is modest mountain living at its finest.

Property details

Beds
2
Baths
2
SqFt
1,728
Lot
Year built
1995
Type
Single Family
Days on market
187
Style
Arts and Crafts
Heating
Central, Heat Pump
Cooling
Central Air, Heat Pump
Foundation
Basement
Flooring
Carpet, Tile, Vinyl

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,486/ month

Principal & interest
$2,092
Property tax (~1.05%)
$295
Homeowners insurance
$98
HOA dues

Down payment

$16,895 down · $321,005 financed

Income to qualify (28% rule)

~$106,582 / 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.