Is the housing market going to crash?

We have seen every market cycle since 2007. The Fort Mill and Charlotte metro market has shown consistent resilience and population-driven demand. We are happy to walk you through current conditions and what they mean for your specific situation.

Should I buy now or wait for interest rates to drop?

Timing the market is nearly impossible. We focus on your personal timeline, your equity position, and your goals. In most cases, waiting costs more than acting — but we will give you a straight answer based on your numbers, not a sales pitch.

What is it like to live in Fort Mill, South Carolina?

Fort Mill consistently ranks among the best places to live in the Carolinas. Strong schools, low taxes, easy access to Charlotte, and a genuine community feel. We live here — Mike's family of eight calls this area home — so we can give you a real answer, not a brochure.

How do I win in a multiple-offer situation?

Preparation, speed, and presentation. We coach our buyers on exactly how to structure a competitive offer — and our track record of over 2,200 closings means we know what sellers and their agents respond to.

What is the difference between Fort Mill and Rock Hill?

Both are in York County and offer tremendous value compared to Charlotte. Fort Mill tends to attract younger families drawn by the school system and newer developments. Rock Hill has a more established urban core, a strong university presence, and is undergoing significant revitalization. We work both markets daily and can help you find the right fit.

Do you work with active adult or 55+ communities?

Yes — this is one of our specialties. We have deep experience in Sun City Carolina Lakes, Four Seasons at Gold Hill, Carolina Orchards, and Brook Run. We know these communities from the inside and can help buyers and sellers navigate them confidently.

Do you work with veterans and VA loans?

Absolutely. Mike is a Marine Corps veteran and KW Military Ambassador. Supporting fellow veterans is personal for us. We understand VA transactions and are proud to serve those who served.

1957 & 1923 Cold Mountain Rd, Lake Toxaway, NC 28747

House Description

An extraordinary and uniquely distinct opportunity to own three exceptional properties within the prestigious Lake Toxaway Estates. Together, these offerings totaling 3.32 acres total create an unparalleled legacy estate with expansive lakefront, multiple homesites, and outstanding amenities in one of Western North Carolina’s most coveted mountain communities. The centerpiece, 1957 Cold Mountain Road, is a remarkable waterfront residence designed for both grand entertaining and relaxed mountain living. The home features 4 bedrooms and 5½ baths, highlighted by a dramatic great room with a massive stone fireplace, soaring beamed cathedral ceilings, and an impressive wall of windows that captures breathtaking lake views. A chef’s kitchen is equipped with Viking ovens and range, dual dishwashers, and a large center island ideal for gathering. The lower-level family room offers a one-of-a-kind pizza oven, creating the perfect setting for casual entertaining. Additional features include a sauna, elevator, whole-home generator, circular drive, expansive landscaping, and generous covered porches designed to embrace the natural beauty of the surroundings. The property also includes two boathouses with docks and a paved cart path leading directly from the home to one of the boathouses. Ideally positioned across the lake from the Marina, Country Club, and Golf Course, the setting combines privacy with exceptional convenience. Also included is 1923 Cold Mountain Road, consisting of 2½ lots totaling 1.278 acres with the flexibility to subdivide. This exceptional lakefront parcel features a paved drive, boathouse, and docks, offering tremendous potential for an additional residence, guest retreat, or future investment opportunity. Completing the offering is Lot 50N, a 1.37-acre parcel located across Cold Mountain Road from the other properties. Easily developable or marketable as a separate homesite, this parcel adds even greater flexibility and long-term value to this rare multi-property offering. This is a truly extraordinary chance to create a private family compound, investment portfolio, or legacy estate in the heart of Lake Toxaway.

Highlights

Listed by Kenneth McCall , 828-553-2040 Lake Toxaway Co. , 828-966-4260. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage

3.32

Year Built

2001

County

Transylvania

Neighborhood

Lake Toxaway Estates

Listing ID

4378991

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms

▪ Bedrooms:4
▪ Bathrooms:6
▪ Full Bathrooms:5
▪ 1/2 Bathrooms:1

Appliances:Dishwasher, Disposal, Dryer, Exhaust Hood, Gas Range, Refrigerator, Washer, Washer/Dryer

Air Cond:Central Air

Fireplaces:Great Room,Wood Burning

Floor:Carpet,Tile,Wood

Above Ground Sq Ft:2897

Below Ground Sq Ft:1680

Basement:Interior Entry,Partially Finished,Walk-Out Access,Walk-Up Access

Other:Has Fireplace,Master on Main

Other:Well

Payment Calculator

Payment Breakdown

Principal Interest

$46,379

Taxes

$5,738

Home Price

$9,000,000

Home Price

Loan Details

30 yrs

6.683%

Interest Rate

Loan Type

Down Payment

20%

$1,800,000

Down Payment

Down Payment %

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:

$46,378.85

Principal

Taxes

	Principal	Taxes	HOA	Total
Monthly	$46,378.85	$5,737.50	$0.00	$52,116.35
Yearly	$556,546.23	$68,850.00	$0.00	$625,396.23
Total	$16,696,387.01	$2,065,500.00	$0.00	$18,761,887.01