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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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1585 Cold Mountain Rd , Lake Toxaway, NC 28747
$4,995,000
Est. Payment: $25,740.26/mo
4 Bed
5 Bath
3943 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

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.

Highlights

Listed by Chip Freeman , 828-712-6446 and Ross Hyett , 828-712-6446 Lake Toxaway Co. , 828-966-4260. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.61

HOA Fee

4085 Annually

Year Built

2006

County

Transylvania

Neighborhood

Lake Toxaway Estates

Listing ID

4383951

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Bar Fridge, Dishwasher, Disposal, Dryer, Gas Oven, Gas Range, Microwave, Refrigerator, Washer, Washer/Dryer
Air Cond:Central Air,Dual
Fireplaces:Great Room,Wood Burning
Floor:Tile,Wood
Above Ground Sq Ft:3943
Below Ground Sq Ft:0
Basement:Storage Space
Other:Breakfast Bar,Built-in Features,Cable Prewire,Entrance Foyer,Garden Tub,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Has Fireplace,Master on Main
Other:Well

Exterior Features

Lot:Views,Waterfront,Boat Ramp – Community,Dock
Roof:Architectural Shingle
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage
Principal Interest
$25,740
Taxes
$3,184
HOA
$4,085

Home Price

$4,995,000

Loan Details

30 yrs
6.683%

Down Payment

20%
$999,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$25,740.26

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $25,740.26 $3,184.31 $4,085.00 $33,009.58
Yearly $308,883.16 $38,211.75 $49,020.00 $396,114.91
Total $9,266,494.79 $1,146,352.50 $1,470,600.00 $11,883,447.29

Today's Rates

30 Year

6.68%

20 Year

6.55%

15 Year

6.13%

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Market insight data is pulled from the same city as the listing being viewed (Lake Toxaway, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-08-01T20:02:06.000Z

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