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382 Lake Shore Drive, Topton, NC, 28781

3beds
4baths
5,024sqft
$2,850,000
$567price/sqft
$16,869/moest. monthly cost
$674,760/yrincome needed

About This Home

Welcome to your private LAKE NANTAHALA RETREAT! This Custom-Built waterfront home offers the perfect blend of Luxury, Comfort, and Mountain living on one of Western North Carolinas most Pristine Lakes. The is property has a Private dock, this exceptional property is ideal for boating, fishing, kayaking or simply enjoying the crystal clear water on your own deck or dock. Once inside you will find hardwood floors, granite counter tops, spacious living areas, stunning stone fireplace. Additionally, 2 car garage, quality craftsmanship throughout, multiple outdoor spaces, wooded surroundings and great views. located 3 hrs from Atlanta airport, 2 hrs from Asheville Airport, this property is the perfect full-time residence, luxury vacation home, or investment opportunity. Lake Living at its finest! Furnishing Negotiable. Come experience the beauty, tranquility, and recreation on Lake Nantahala! See you soon!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Nantahala SchoolGrades K-125.8 mi
5/10
Franklin HighGrades 9-1215.5 mi
7/10

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Slab,Other
  • Roof: Shingle
  • Construction materials: Shake Siding,Wood Frame,Stone Veneer

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Washer,Refrigerator,Dryer
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Basement

  • Basement: Exterior Entry,Finished

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Walk-in Closet(s),Vaulted Ceiling(s),High Ceilings,Entrance Foyer,Solid Surface,Bookcases,Kitchen Island,Ceiling Fan(s),Furnished,Walk-in Shower,Blinds/Shades,Gas Log,Walk-In Closet(s),Wood Burning Stove
  • Window features: Storm Window(s)
  • Fireplace features: Wood Burning Stove,Gas Log
  • Fireplace: Yes
  • Attic: Access Only

Heating & Cooling

  • Heating features: Propane,Heat Pump,Electric,Zoned
  • Cooling features: Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 5,024
  • Total interior livable area: 5,024 sqft

Kitchen

  • Level: Second

Laundry

  • Level: Second

Living Room

  • Level: Second

Master Bedroom

  • Level: Second

Other

  • Level: Second

Other

  • Level: Second

Other

  • Level: Second

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 6504991753
  • Zoning: None
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Patio & porch: Deck,Rear Porch
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake Front
  • Frontage type: Lakefront
  • Living area range: 5000 - 5499

Lot

  • Lot size: 0.62 Acres
  • Features: Wooded,Boat Dock,Deeded Waterfront,Lake Privileges,Navigable Water,Gentle Sloping
  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Gravel,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $14,411$172,932
Home Insurance *$1,210$14,520
Property Taxes $781$9,372
Electricity $467$5,615
Total$16,869$202,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$578,365/yr
40% on housing$506,070/yr
45% on housing$449,840/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

$567This listing

vs Other Active Listings

Avg $/sqft

ZIP 28781$208
Macon County$557

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
2026-07-10Listed for sale$2,850,000
2023-11-01Listing removed$2,300,000
2023-04-17Listed for sale$2,300,000
2023-04-17Pending sale$2,300,000
2023-04-17Listed for sale$2,300,000
2001-01-03Sold$145,000

For Sale by Agent

AgentKristine Flaig
BrokerageNantahala Real Estate

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