46 Mills Creek Drive

Lake Toxaway, NC
$ 3,399,000 Beds 4 Baths 6.5 Sq 7,439 Virtual Tour
Monthly Estimate* How much can I afford?

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 home has undergone thoughtful renovations an updates including: four new heat pumps/furnaces, two Navien instant hot water heaters, Kohler propane generator, extensive landscaping and stone work, as well as the conversion of a library to bedroom and the addition of a full bath. 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.

Single Family

  • Price
  • $ 3,399,000
  • City
  • Lake Toxaway
  • Bedrooms
  • 4
  • Full Bathrooms
  • 6
  • County
  • TRANSYLVANIA
  • Half Bathrooms
  • 1
  • Area
  • Transylvania County
  • Lot Size
  • 2.63 Acres
  • Zip
  • 28747
  • Sqr Footage
  • 7,439
  • Year Built
  • 2001
  • Style
  • MLS#
  • 4364823
Listed By: Fisher Realty,Sapphire/Toxaway; ajennings@fisherrealtync.com
Data Source: Canopy MLS

Features

General

Living Area 6402
Sewer Septic Installed
Heating Central,Ductless,Heat Pump,Propane
Cooling Ductless,Heat Pump
Utilities Cable Available,Fiber Optics,Propane
Roof Architectural Shingle
Appliances Bar Fridge,Dishwasher,Ice Maker,Propane Water Heater,Refrigerator,Washer/Dryer
HOA Fee 4085
Garage Spaces 2
Patio/Porch Features Balcony,Covered,Deck,Front Porch,Patio,Porch,Rear Porch,Screened,Terrace
Construction Materials Stone,Wood
Year Built 2001
View Golf Course,Year Round
Levels Two and a Half
Property Subtype Single Family Residence
Parcel Number 8512-69-1791-000
Elevation 3000
Waterfront Features Boat Ramp – Community,Boat Slip – Community,Paddlesport Launch Site - Community,Dock
Community Features Lake Access,Picnic Area,Playground,Pond,Walking Trails
Assoc Fee Paid Per Annually
County Transylvania
New Construction No
Property Type Residential
HOA Yes
Subdivision Name Lake Toxaway Estates
Garage Y/N Yes
Full Baths 6
Directions From main entrance of Lake Toxaway Estates: West Club Blvd. to stop sign,continue onto Chestnut Trace. Turn left next stop sign turn left onto Fairway Dr. Take Fairway Dr. to right on Mills Creek D
High School Unspecified
City Lake Toxaway
Body of Water Lake Toxaway
Association Name Lake Toxaway CA/IPM Corp
Senior Community Y/N No
Lot Size Units Acres
Carport Spaces 1
Carport Y/N Yes
Elementary School T.C. Henderson
Middle/Junior High School Rosman
Additional Parcels Y/N No
Virtual Tour https://media.zillowmediaexperts.com/videos/019d5360-45d1-738e-8ab1-62c9f5b3b63b
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Restrictions Architectural Review,Building,Manufactured Home Not Allowed,Modular Not Allowed,Short Term Rental Allowed
Tax Assessed Value 2875510
Virtual Tour https://media.zillowmediaexperts.com/videos/019d5360-45d1-738e-8ab1-62c9f5b3b63b
Listing Terms Cash,Conventional

Interior Features

Basement Finished
Flooring Carpet,Stone,Tile,Wood
Fireplace Features Bonus Room,Den,Gas Log,Great Room,Outside,Primary Bedroom,Wood Burning
Basement (Y/N) Yes
Fireplace Y/N Yes
Above Grade Finished Area 4773
Half Baths 1
Laundry Features In Basement
Total Bedrooms 4
Below Grade Finished Area 1629
Total Baths 7
SqFt Main 2990
SqFt Garage 992
SqFt Upper 1783
Bedroom 1

Exterior Features

Parking Features Attached Carport,Driveway,Attached Garage
Lot Features On Golf Course,Private,Creek/Stream,Views
Water Source Well
Lot Size Area 2.63
Foundation Details Basement
Road Surface Type Gravel,Paved
Other Equipment Fuel Tank - Leased
Road Responsibility Private Maintained Road
Main Level Garage YN Yes

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Hickory, NC office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
Agent Photo

Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School T.C. Henderson Elementary School
Middle School Rosman Middle School
High School Unspecified High School

Price History

4/4/2026 Listed $3,450,000
6/30/2026 2% - $3,399,000

Property vs Zip Code Average in 28747

Price
AVG $2.8M
$3.4M
Year Built
AVG 1995
2001
Visits
AVG 249
370
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

46 Mills Creek Drive Lake Toxaway, NC is a Single Family Home for sale at $3399000 with 7439 sqft and a lot size of 2.63 Acres Acre(s). 46 Mills Creek Drive Lake Toxaway has 4 bedrooms, 6 baths and was built in 2001. The property's zip code is 28747 which is in Lake Toxaway, NC

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Your Agent
Amy Underwood

Amy Underwood

828-293-4452

Find your home's value