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.