46 Mills Creek Dr, Lake Toxaway, NC, 28747
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.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2001
Materials
- Construction materials: Stone,Wood
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Bar Fridge,Dishwasher,Ice Maker,Propane Water Heater,Refrigerator,Washer/Dryer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Finished
Bathroom Full
- Level: Main
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Basement
Bathroom Full
- Level: 2nd Living Quarters
Bathroom Half
- Level: Main
Bathroom Half
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 7
- Full bathrooms: 6
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
Family Room
- Level: Main
Features
- Total Primary Heated Living Area: 6402
- Flooring: Carpet,Stone,Tile,Wood
- Fireplace features: Bonus Room,Den,Gas Log,Great Room,Outside,Primary Bedroom,Wood Burning
- Finished area below ground: 1,629
- Finished area above ground: 4,773
Heating & Cooling
- Heating features: Central,Ductless,Heat Pump,Propane
- Cooling features: Ductless,Heat Pump
Interior Area
- Total structure area: 4,773
- Total interior livable area: 7,439 sqft
Kitchen
- Level: Main
Laundry
- Level: Basement
Living Room
- Level: Main
Office
- Level: Main
Other
- Level: Main
Other
- Level: Basement
Other
- Level: 2nd Living Quarters
Other
- Level: 2nd Living Quarters
Other
- Level: Basement
Primary Bedroom
- Level: Upper
Property
Details
- Parcel number: 8512691791000
- Zoning: Res
- Special condition: Standard
Features
- Levels: Two and a Half
- Stories: 2
- Patio & porch: Balcony,Covered,Deck,Front Porch,Patio,Porch,Rear Porch,Screened,Terrace
- Has view: Yes
- View description: Golf Course,Year Round
- Waterfront features: Boat Ramp – Community,Boat Slip – Community,Paddlesport Launch Site - Community,Dock,Creek/Stream
- Waterbody name: Lake Toxaway
Lot
- Lot size: 2.63 Acres
- Features: On Golf Course,Private,Views
Parking
- Total spaces: 3
- Parking features: Attached Carport,Driveway,Attached Garage,Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 3
- Has uncovered spaces: Yes
- Carport: Yes
- Carport spaces: 1
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Ice Storm
- Inland Flooding
- Landslide
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Transylvania County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $17,187 | $206,244 |
| Home Insurance * | $1,433 | $17,196 |
| Property Taxes | $2,056 | $24,672 |
| Electricity | $692 | $8,314 |
| Total | $21,368 | $256,416 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-04 | Listed for sale | $3,450,000 |
| 2026-01-26 | Listing removed | $3,750,000 |
| 2025-08-22 | Listed for sale | $3,750,000 |
| 2021-07-26 | Sold | $1,350,000 |
| 2021-06-20 | Pending sale | $1,499,000 |
| 2021-06-12 | Contingent | $1,499,000 |
| 2021-05-11 | Listed for sale | $1,499,000 |
| 2021-04-20 | Contingent | $1,499,000 |
| 2021-04-20 | Pending sale | $1,499,000 |
| 2020-10-12 | Price change | $1,499,000 |
| 2019-04-22 | Price change | $1,599,000 |
| 2018-10-22 | Price change | $1,669,000 |
| 2017-10-29 | Price change | $1,695,000 |
| 2016-01-14 | Price change | $1,995,000 |
| 2015-07-20 | Price change | $2,250,000 |
| 2015-05-05 | Listed for sale | $2,495,000 |
| 2015-03-16 | Listing removed | $2,500,000 |
| 2015-01-20 | Listed for sale | $2,500,000 |
For Sale by Agent
View on Zillow