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John KurtzCharlotte · NC

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Lake Toxaway · Lake Toxaway, NC

46 Mills Creek Drive

Lake Toxaway, NC · 6,402 sqft

$3,450,000

  • 4Beds
  • 6.5Baths
  • 6,402SqFt
  • 2001Year
  • 50Days on market

About this home

Discover a remarkable residence that embodies timeless mountain architecture, gracefully set on approximately 2.63 level acres along Little Mills Creek, with sweeping views of the Lake Toxaway Country Club golf course.

Thoughtfully designed to balance sophistication and comfort, this custom home offers over 6,000 square feet of inviting living space within a private, tranquil setting. Its position along the course provides both scenic beauty and effortless access to the club, marina, and the iconic Greystone Inn.

The interior is tailored for both everyday living and memorable gatherings, featuring four ensuite bedrooms, two additional full baths, and a collection of flexible bonus spaces ideal for guests or quiet retreats.

Expansive living areas unfold throughout the home, anchored by seven striking stone fireplaces that add warmth and architectural presence. Antique heart pine floors and finely crafted details lend a sense of authenticity and enduring quality.

The lower level offers generous additional living space, while a large bonus room above the three-car garage—complemented by an attached carport—creates further opportunities for recreation or hosting.

Outdoors, the property invites relaxation and connection to nature, with a broad lawn, gently flowing creek, and generous deck space designed for entertaining or quiet enjoyment. The result is a private mountain sanctuary, just moments from the area’s most coveted amenities.

Property details

Beds
4
Baths
6.5
SqFt
6,402
Lot
Year built
2001
Type
Single Family
Days on market
50
Garage
2
Heating
Central, Ductless, Heat Pump, Propane
Cooling
Ductless, Heat Pump
Foundation
Basement
Flooring
Carpet, Stone, Tile, Wood
View
Golf Course, Year Round
HOA dues
$4,085 / yr

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$25,732/ month

Principal & interest
$21,366
Property tax (~1.05%)
$3,018
Homeowners insurance
$1,006
HOA dues
$340

Down payment

$172,500 down · $3,277,500 financed

Income to qualify (28% rule)

~$1,102,811 / 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.