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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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46 Mills Creek Dr , Lake Toxaway, NC 28747
$3,399,000
Est. Payment: $17,515.75/mo
4 Bed
7 Bath
6402 Sqft
Status: active | Days on site: 88
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

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 home has undergone thoughtful renovations an updates including: four new heat pumps/furnaces, two Navien instant hot water heaters, Kohler propane generator, extensive landscaping and stone work, as well as the conversion of a library to bedroom and the addition of a full bath. 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.

Highlights

Listed by Amanda Jennings Gravley , 828-200-2944 Fisher Realty,Sapphire/Toxaway , 828-966-9290. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
2.63

HOA Fee

4085 Annually

Year Built

2001

County

Transylvania

Neighborhood

Lake Toxaway Estates

Listing ID

4364823

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:7
  • Full Bathrooms:6
  • 1/2 Bathrooms:1
Appliances:Bar Fridge, Dishwasher, Ice Maker, Propane Water Heater, Refrigerator, Washer/Dryer
Air Cond:Ductless,Heat Pump
Fireplaces:Bonus Room,Den,Gas Log,Great Room,Outside,Primary Bedroom,Wood Burning
Floor:Carpet,Stone,Tile,Wood
Above Ground Sq Ft:4773
Below Ground Sq Ft:1629
Basement:Finished
Other:Has Fireplace
Other:Well

Exterior Features

Lot:On Golf Course,Private,Creek/Stream,Views,Boat Ramp – Community,Boat Slip – Community,Paddlesport Launch Site - Community,Dock
Roof:Architectural Shingle
Sewer:Septic Installed
Parking Features:Attached Carport,Driveway,Attached Garage
Principal Interest
$17,516
Taxes
$2,167
HOA
$4,085

Home Price

$3,399,000

Loan Details

30 yrs
6.683%

Down Payment

20%
$679,800
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:
$17,515.75

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $17,515.75 $2,166.86 $4,085.00 $23,767.61
Yearly $210,188.96 $26,002.35 $49,020.00 $285,211.31
Total $6,305,668.83 $780,070.50 $1,470,600.00 $8,556,339.33

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: 2026-08-01T18:02:06.000Z

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