Lake Toxaway · Lake Toxaway, NC
1585 Cold Mountain Road
Lake Toxaway, NC · 3,943 sqft
$4,995,000
- 4Beds
- 4.5Baths
- 3,943SqFt
- 2006Year
- 1Days on market
About this home
Welcome to an extraordinary lakefront retreat on Lake Toxaway, thoughtfully designed by renowned architect Allen Brown and expertly crafted by John Holbrook. Set on a rare flat lot with easy access to a private dock, this home blends timeless mountain charm with relaxed lakeside living. Inside, the spacious floor plan features 4 bedrooms and 4.5 bathrooms, designed for both comfort and entertaining. The main-level primary suite is a true sanctuary, complete with exposed beams, dual walk-in closets, and a spa-like soaking tub. Upstairs, generously sized guest bedrooms provide plenty of space and privacy for family and visitors. At the heart of the home, the chef’s kitchen is outfitted with a Viking range, abundant storage, and an open layout that flows seamlessly into the great room. A stunning masonry fireplace anchors the living space, creating a warm and inviting atmosphere year-round. Step outside to enjoy the expansive outdoor living area, where a second fireplace overlooks the lake — the perfect setting for quiet mornings, evening gatherings, and unforgettable memories by the water. Elegant shiplap detailing throughout the main level adds warmth and classic mountain character. Designed with both beauty and functionality in mind, the property also includes a two-car garage with a built-in workshop, additional covered storage for boats, bikes, or extra vehicles, and a large lower-level storage area ideal for kayaks, paddleboards, canoes, and all your lake gear. Offering exceptional craftsmanship, breathtaking surroundings, and the best of Lake Toxaway living, this remarkable waterfront home is a place to relax, reconnect, and enjoy every season by the lake. Membership to Lake Toxaway Country Club is based on availability and application.
Property details
- Beds
- 4
- Baths
- 4.5
- SqFt
- 3,943
- Lot
- —
- Year built
- 2006
- Type
- Single Family
- Days on market
- 1
- Garage
- 2
- Heating
- Floor Furnace, Heat Pump
- Cooling
- Central Air, Dual
- Foundation
- Pillar/Post/Pier, Slab
- Flooring
- Tile, Wood
- View
- Long Range, Water, Year Round
- HOA dues
- $4,085 / yr
Features
- Breakfast Bar
- Built-in Features
- Cable Prewire
- Entrance Foyer
- Garden Tub
- Kitchen Island
- Open Floorplan
- Pantry
- Walk-In Closet(s)
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance, HOA
$37,103/ month
- Principal & interest
- $30,935
- Property tax (~1.05%)
- $4,370
- Homeowners insurance
- $1,456
- HOA dues
- $340
Down payment
$249,750 down · $4,745,250 financed
Income to qualify (28% rule)
~$1,590,146 / 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.