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987 Cold Mountain Road, Lake Toxaway, NC 28747

$3,250,000
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  • 987 Cold Mountain Road, Lake Toxaway, NC 28747 Main Photo

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New to the Market Active
BEDS3 BATHS3 full SQUARE FEET2,338 MLS#4354164
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONLake Toxaway Estates
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Property Description

Quaint cottage on an exceptional lot in Lake Toxaway Estates. Set on over half an acre of nearly level property that gently slopes to the shoreline of North Carolina's largest private lake, the home offers open water and full mountain views with Toxaway Mountain in the background. Tastefully updated and designed for easy living, the home features 3 bedrooms plus a flex room and an open living-dining-kitchen layout. Ideal for gathering with family and friends, most areas boast views over the lawn and out to the lake.The main level includes a primary suite and a secondary flex room/sleeping space with an ensuite bath, while an additional bedroom and bunkroom above share a connecting bath. Natural light fills the sunroom, and an additional enclosed porch provides a great space for casual entertaining, complete with grill, refrigerator, and prep area.Outside, the property truly stands out: a rare, nearly level lawn leads to a large stone waterfront seating area and covered dock for easy days on the water. Located just off Cold Mountain Road and set back along a winding driveway for privacy, this is a unique opportunity to own a lakefront home with wide water views in one of Lake Toxaway's most beautiful settings.

987 Cold Mountain Road | MLS# 4354164

This single family home located at 987 Cold Mountain Road, Lake Toxaway, NC 28747 is currently listed for sale with an asking price of $3,250,000. This property was built in 1973 and has 3 bedrooms and 3 full baths with 2338 sq. ft. Cold Mountain Road is located in the Lake Toxaway Estates subdivision. Search Lake Toxaway Estates real estate on ericm.lakenormanrealty.com today.

Property Features

Property Type: Residential - Single Family
Heating: Electric, Forced Air, Propane
Lot Size: 0.60 Acres
Roof Type: Architectural Shingle
Year Built: 1973

Amenities

Open Floorplan
Storage

Feature Descriptions

Appliances: Dishwasher, Dryer, Electric Oven, Microwave, Washer
Body of Water: Lake Toxaway
Community Features: Boat Storage, Lake Access, Picnic Area, Playground, Walking Trails, Other
Days on Site: 5
Exterior: Brick Partial, Wood
Fireplace: Living Room
Foundation: Crawl Space
HOA Fee: $5292/ Annually
Laundry: In Kitchen
Lot: Green Area, Level, Views, Waterfront
Parcel#: 8522-19-2681-000
Parking: Attached Carport, Driveway, Parking Space(s)
Patio/Porch: Patio, Screened
Sewer: Septic Installed
Special View Info: Mountain(s), Water, Year Round
Water: Well
Water Features: Boat House, Boat Ramp ? Community, Boat Slip ? Community, Dock, Retaining Wall

Local Schools

High School: Rosman
Middle School: Rosman
Elementary School: T.C. Henderson

Listed By / Shown By

Listed By

Agency Name: Fisher Realty,Sapphire/Toxaway
Agency Contact: ajennings@fisherrealtync.com

Shown By

Agent Name: Eric McCauley
Agent Phone: (704) 754-3796
Agency Title: Lake Norman Realty

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Estimated Payment

$ 18,245.78 per month $17,297.86 Principal & Interest $0.00 Property Tax (data not provided by mls) $947.92 Homeowner's Insurance

Change Payment Information

%
years/fixed
yearly
yearly (est.)
(Payments are an estimate and may vary by lender)
Mooresville Sales 522 River Highway
Mailing PO Box 5656
Mooresville, NC 28117
Eric McCauley
(704) 754-3796
Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 03/13/2026. The listing information on this page last changed on 03/13/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Fri 03/13/2026 4:53:32 AM EST) or Canopy MLS (last updated Fri 03/13/2026 12:27:39 AM EST) or Triad MLS (last updated Thu 03/12/2026 11:40:20 PM EST). Real estate listings held by brokerage firms other than Lake Norman Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.” Displays of minimal information (e.g. “thumbnails”, text messages, “tweets,” etc., of two hundred (200) characters or less) are exempt from this requirement but only when linked directly to a display that includes all required disclosures. For audio delivery of listing content, all required disclosures must be subsequently delivered electronically to the registered consumer performing the property search or linked to through the devices application.

Listings courtesy of Canopy MLS as distributed by MLS GRID.

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