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2235 Cold Mountain Rd, Lake Toxaway, NC, 28747

4beds
6baths
4,410sqft
$6,500,000
$1,474price/sqft
$38,510/moest. monthly cost
$1,540,400/yrincome needed

About This Home

Nestled along the pristine shores of Lake Toxaway, this extraordinary custom-designed lakefront residence, completed in 2022, blends refined mountain-modern architecture with exceptional craftsmanship and luxurious amenities. Designed to maximize breathtaking water views and seamless indoor-outdoor living, the home features expansive walls of glass, an open-concept floor plan, and soaring cathedral ceilings accented by exposed wooden beams and a dramatic floor-to-ceiling stone fireplace in the great room coupled with folding glass doors that seamlessly extends the living area from inside to out. The living room opens completely to the exterior porch through retractable doors, creating an inviting entertainment space that effortlessly connects the home to the surrounding landscape and tranquil lakefront setting. Three fireplaces located in the living room, covered porch, and recreation room provide warmth and ambiance throughout the home. Every detail was thoughtfully curated, from the custom-designed front door crafted from reclaimed aged barn wood to the elegant 8-foot interior doors adorned with Emtek oil-rubbed bronze hardware from the Hercules Collection. The gourmet kitchen boasts Dolomite Marble countertops and is equipped with premium Bosch and Thermador appliances, while Italian tile and marble enhance the spa-inspired bathrooms featuring curb less showers and illuminated mirrors with adjustable color and brightness controls. Designed for comfort and convenience, the home includes laundry rooms on each floor, hand-scraped and brushed European White Oak engineered hardwood flooring in a sophisticated Grey Mist finish, and a fully encapsulated crawl space with dehumidification. Advanced lighting features include an abundance of 4-inch hi-hats, automatic closet lighting, stair step illumination, exterior landscape lighting, and power service extending to both the driveway and private dock. Built with superior efficiency, durability, and convenience in mind, the home features 2x6 exterior walls with full insulation, spray foam attic insulation, and a robust 400-amp electrical service. Plumbing amenities include dual-zone propane recirculating instant hot water systems, six frost-free exterior hose bibs, and premium Grohe, Moen, and Kohler fixtures throughout. The bathroom off the downstairs rec room is a Cabana Bath that features a very convenient outdoor shower. Heating and cooling are equally impressive, with two complete Trane 18-SEER HVAC systems serving the upper and lower levels, including gas furnace and humidification on the main floor, Wi-Fi-enabled thermostats, and a Mitsubishi ductless heating and cooling system in the studio space. Outside, a private dock provides effortless access to boating and lake activities, while the adjacent lakeside lawn offers the perfect setting for entertaining, family gatherings, and outdoor recreation. A security system and whole-home water purification system complete this remarkable turnkey lakefront retreat where luxury, comfort, and timeless design come together in one exceptional property.

Getting Around

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

Schools

4/10
T C Henderson ElementaryGrades PK-54.0 mi
8/10
Rosman MiddleGrades 6-87.6 mi
7/10
Rosman HighGrades 9-127.6 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Metal
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Disposal,Electric Oven,Exhaust Fan,Gas Cooktop,Microwave,Refrigerator,Tankless Water Heater,Washer/Dryer
  • Laundry features: In Basement,In Hall,Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Basement Garage Door,Exterior Entry,Interior Entry,Walk-Out Access,Walk-Up Access

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Built-in Features,Open Floorplan,Storage,Walk-In Closet(s),Walk-In Pantry,Wet Bar
  • Door features: Sliding Doors
  • Flooring: Concrete,Laminate,Marble,Tile,Wood
  • Fireplace features: Gas Starter,Living Room,Porch,Recreation Room,Wood Burning
  • Finished area below ground: 2,076
  • Finished area above ground: 2,334

Flex Space

  • Level: Basement

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Propane
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump

Interior Area

  • Total structure area: 2,334
  • Total interior livable area: 4,410 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Basement

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 8513729153000
  • Zoning: none
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Boat Ramp – Community,Waterfront
  • Waterbody name: Lake Toxaway

Lot

  • Lot size: 1.06 Acres
  • Features: Sloped

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 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 $32,867$394,404
Home Insurance *$2,742$32,904
Property Taxes $2,491$29,892
Electricity $410$4,928
Total$38,510$462,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,320,342/yr
40% on housing$1,155,300/yr
45% on housing$1,026,933/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

$1,474This listing

vs Other Active Listings

Avg $/sqft

ZIP 28747$533
Transylvania County$333

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)

No zestimate history available

Price History

DateEventPrice
2026-05-18Listed for sale$6,500,000
2023-06-15Listing removed--
2023-05-10Listed for sale$5,250,000
2023-04-29Contingent$5,250,000
2023-04-28Listed for sale$5,250,000
2020-12-16Sold$575,000
2020-09-10Pending sale$695,000
2019-08-28Listed for sale$695,000
2019-08-09Sold$331,600
2019-05-01Pending sale$699,000
2018-04-24Listed for sale$699,000
2009-12-21Sold$240,000

For Sale by Agent

AgentKenneth McCall
BrokerageLake Toxaway Co.

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