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John KurtzCharlotte · NC

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Lake Toxaway · Lake Toxaway, NC

1957 Cold Mountain Road

Lake Toxaway, NC · 4,577 sqft

$4,750,000

  • 4Beds
  • 5.5Baths
  • 4,577SqFt
  • 2001Year
  • 13Days on market

About this home

Set along the pristine shores of Lake Toxaway, this exceptional custom home offers a rare blend of luxury, comfort, and breathtaking natural beauty. Featuring 4 spacious bedrooms and 5½ baths, the residence is thoughtfully designed to capture stunning lake views from nearly every angle.

At the heart of the home, a grand great room showcases a striking stone wood-burning fireplace, soaring beamed cathedral ceilings, and a dramatic wall of windows that frame panoramic views of the water. The chef’s kitchen is equally impressive, equipped with a Viking oven and range, multiple dishwashers, a generous island, and even a built-in pizza oven located in the den—perfect for entertaining family and guests.

Designed for both relaxation and convenience, the home includes a private sauna, elevator access, and a whole-home generator for peace of mind. Outside, a circular drive provides easy access, while expansive lakeside porches invite you to unwind and take in the serene surroundings.

The property’s extensive docking and boathouse, connected by a paved cart path from the home, make enjoying lake life effortless. Ideally located across lake from the Club, golf course, and marina, this residence offers the ultimate Lake Toxaway lifestyle—where refined living meets the tranquility of the mountains.

Property details

Beds
4
Baths
5.5
SqFt
4,577
Lot
Year built
2001
Type
Single Family
Days on market
13
Garage
1
Heating
Forced Air, Heat Pump, Propane
Cooling
Ceiling Fan(s), Central Air
Foundation
Basement
Flooring
Carpet, Concrete, Tile, Wood
View
Mountain(s), Water
HOA dues
$4,085 / yr

Features

  • Built-in Features
  • Kitchen Island

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$35,300/ month

Principal & interest
$29,418
Property tax (~1.05%)
$4,156
Homeowners insurance
$1,385
HOA dues
$340

Down payment

$237,500 down · $4,512,500 financed

Income to qualify (28% rule)

~$1,512,866 / 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.