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769 Indian Lake Rd, Topton, NC, 28781

4beds
4baths
3,471sqft
$1,200,000
$346price/sqft
$7,220/moest. monthly cost
$288,800/yrincome needed

About This Home

This home will Wow you!!! Luxury Log Home with Private DEEDED Boat Slip Crafted from hand-selected cedar logs, this upscale lake retreat showcases Exceptional Craftsmanship and timeless design. The great room welcomes you with soaring floor-to-ceiling windows, a majestic stone fireplace, and breathtaking views of Lake Nantahala. Step onto the expansive main-level deck, complete with a stone outdoor fireplace—perfect for entertaining under the stars. The gourmet kitchen features stainless steel appliances, granite countertops, and custom cabinetry, seamlessly blending elegance with functionality. The main-level primary suite offers a spa-inspired bath and serene lake views. A beautifully crafted wooden staircase leads to the upper level with two spacious bedrooms, a full bath, and an open loft ideal for relaxing or working remotely. Downstairs, the lower level includes a guest bedroom, full bath, cozy den, and a bonus bunk area for extra sleeping space. Just outside, enjoy a private patio and tranquil backyard oasis surrounded by nature. A private deeded boat slip completes this exceptional offering—your gateway to lake adventures and peaceful living. It's a true must see !

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
Nantahala SchoolGrades K-125.3 mi
6/10
Franklin HighGrades 9-1216.6 mi
6/10

Construction

Condition

  • Property condition: Good
  • Year built: 2005

Materials

  • Foundation: Other
  • Roof: Masonite
  • Construction materials: Frame,Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Log
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Washer/Dryer Connection

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2

Features

  • Ceiling Fan(s),Double Vanity,Granite Counters,Kitchen Island,Primary on Main,Solid Surface Counters,Tile Shower/Tub,Walk-In Closet(s),Wood Ceiling(s),Wood Walls
  • Window features: Window Treatments
  • Flooring: Wood
  • Fireplace features: Great Room,Outside,Wood Burning
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,471
  • Total interior livable area: 3,471 sqft

Property

Details

  • Parcel number: 6505351129
  • Zoning description: Deed Restricted

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck/Patio,Porch
  • Exterior features: Fire Pit
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • Waterfront features: Lake Access,Lake Privileges
  • Waterbody name: Nantahala

Lot

  • Lot size: 1.27 Acres
  • Features: 1-3 Acres
  • Lot size dimensions: 1.27

Parking

  • Parking features: Gravel,No Garage
  • Has uncovered spaces: Yes

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
    Cold WaveVery High
  • Landslide
    LandslideVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Landslide
Inland Flooding
Lightning
Strong Wind
Hail
Ice Storm
Tornado
Winter Weather

FEMA Declared Disasters in Macon County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $6,067$72,804
Home Insurance *$509$6,108
Property Taxes $321$3,852
Electricity $323$3,879
Total$7,220$86,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$247,542/yr
40% on housing$216,600/yr
45% on housing$192,533/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

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.

Insurance Growth Rate5-year average: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.4%
6.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$346This listing

vs Other Active Listings

Avg $/sqft

ZIP 28781$245
Macon County$559

vs Homes Sold Last Month

Median $/sqft

ZIP 28781
Macon County$264

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

DateEventPrice
2025-09-05Listed for sale$1,200,000
2021-02-28Listing removed--
2020-11-23Listing removed$10,000
2020-10-12Listed for rent$10,000
2020-08-28Sold$615,000
2020-06-25Listed for sale$749,000
2013-09-20Sold$760,000
2012-05-04Sold$376,000
2011-04-04Sold$448,500

For Sale by Agent

AgentJennifer Solesbee
BrokerageNantahala Real Estate

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