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John KurtzCharlotte · NC

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Lake Toxaway · Lake Toxaway, NC

228 Mills Creek Trace

Lake Toxaway, NC · 4,478 sqft

$2,975,000

Reduced from $3,125,000

  • 4Beds
  • 4.5Baths
  • 4,478SqFt
  • 2003Year
  • 358Days on market

About this home

Overlooking the scenic 4th hole, this stunning 4-bedroom, 4.5-bath retreat is perfect for entertaining. The heart of the home is the expansive living room featuring a massive native stone fireplace and reclaimed timber trusses. The kitchen boasts stainless appliances, granite countertops, and ample storage space. The main level flows to the screened porch with a second fireplace, offering year-round enjoyment. Beautiful wide plank oak floors and custom mushroom board ceilings add rustic charm throughout, while wainscoting and thoughtful detailing elevate spaces throughout the home. The illuminated stairway leads to the upper-level bedrooms, a bonus room, and exercise room. The cobblestone paver driveway leads to the home’s entrance with abundant parking, a 2-car carport, and natural boulder landscape. Set in a serene, golf-side setting, this home is the perfect backdrop for unforgettable gatherings and everyday relaxation.

Property details

Beds
4
Baths
4.5
SqFt
4,478
Lot
Year built
2003
Type
Single Family
Days on market
358
Style
Arts and Crafts
Heating
Electric
Cooling
Electric
Foundation
Crawl Space, Slab
View
Golf Course
HOA dues
$5,292 / yr

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$22,336/ month

Principal & interest
$18,425
Property tax (~1.05%)
$2,603
Homeowners insurance
$867
HOA dues
$441

Down payment

$148,750 down · $2,826,250 financed

Income to qualify (28% rule)

~$957,294 / 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.