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John KurtzCharlotte · NC

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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.

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.