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10932 Rosman Hwy, Lake Toxaway, NC, 28747

1beds
1baths
2,992sqft
$639,000
$214price/sqft
$4,109/moest. monthly cost
$164,360/yrincome needed

About This Home

One of Lake Toxaway's best retail attractions, The Outpost, is available for purchase. Seller is open to considering partial seller financing for qualified buyers which may be available upon payoff of existing obligations or through a mutually agreed upon structure. This high-margin, multi-category retail concept is located in a premium tourist market with strong growth potential. Simple operation with staffing already in place makes it easy for an owner-operator or semi-absentee owner to step in and thrive. Capitalize on the established relationships with 40+ vendors and existing, loyal customer base with a strong product mix focused on high-margin, repeat-consumption categories including alcohol, ice cream, and gem mining. Current liquor license is in place; will need to be formally obtained by new owner, but all requirements and setup are already established. This is a cash-flowing business paired with appreciating real estate offering both income and long-term equity upside. There is very low inventory risk due to vendor-supported product supply with the opportunity to expand inventory and margins if desired. There are also clear and immediate opportunities to increase revenue, including adding ice, firewood, propane, outdoor gear, grab-and-go food, and branded merchandise tailored to the local tourism demand in a high visibility location with consistent traffic from both tourists and local residents. The Toxaway Outpost has strong recent growth, with gross sales up 48.9% over the last 6 months compared to the same period last year. Don't delay, inquire today and make this your next business venture or with proper county permitting and approvals, convert this into the perfect 2nd home or mountain retreat.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
T C Henderson ElementaryGrades PK-50.8 mi
8/10
Rosman MiddleGrades 6-83.2 mi
7/10
Rosman HighGrades 9-123.2 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Log

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other,None
  • Laundry features: None

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,992

Flex Space

  • Level: Main

Flex Space

  • Level: Upper

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,992
  • Total interior livable area: 2,992 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 8542173031000
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Front Porch

Lot

  • Lot size: 0.45 Acres
  • Features: Level,Paved,Other - See Remarks

Parking

  • Parking features: Parking Lot

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 WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Inland Flooding
Landslide
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Transylvania County and North Carolina

Fire
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 $3,231$38,772
Home Insurance *$269$3,228
Property Taxes $331$3,972
Electricity $278$3,344
Total$4,109$49,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,880/yr
40% on housing$123,270/yr
45% on housing$109,573/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 28747$612
Transylvania County$348

vs Homes Sold Last Month

Median $/sqft

ZIP 28747$377
Transylvania County$291

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
2026-05-02Price change$639,000
2026-03-30Listed for sale$679,000
2024-05-15Sold$500,000
2023-09-20Price change$625,000
2023-06-05Listed for sale$649,000
2021-09-20Listing removed--
2021-02-06Listed for sale$195,000
2015-01-16Sold$85,000

For Sale by Agent

AgentJake Raines
BrokeragePetit Properties Inc

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