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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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95 Cardinal Trace , Lake Toxaway, NC 28747
$4,995,000
Est. Payment: $28,072.07/mo
4 Bed
6 Bath
4924 Sqft
1.82 Acres
Status: active | Days on site: 10
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NCM11291 - R51325,R60580
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Terri Bias
Operator/Brokerage Owner

House Description

Presenting the most exquisite, turnkey, newly constructed modern mountain home! Perfectly located on the highly desired but rarely available Lake Cardinal within the exclusive Lake Toxaway Estates, just minutes from the Lake Toxaway Country Club and Golf Course, Marina, and the Greystone Inn! Curated by a top-notch design build team, this 4 Bed Rm, 6 Bath stunning home is filled with quality and attention to detail everywhere you look! The 1st floor features a graceful double door entry with views straight through to the lake becoming a piece of art that changes with every hour and every season. The open floorplan includes walls of windows with unobstructed water views, an incredible Great Rm with vaulted ceilings, native stone fireplace, beamed ceiling, and access to the large, covered deck with fireplace and outdoor grilling station! The chef's Kitchen will delight with Quartz counters, Thermador appliances, and oversized island. Gather in front of the cozy Hearth Rm fireplace and still be part of all the activity. The luxurious Owners Suite offers utopian lake views where you can wake to water and sleep with the stars, a Sitting area, custom spa Bath, and walk-in Closet! Access to the 2 car Garage, Pantry / Laundry Center, open Deck, and 1/2 Bath complete the main level. Upstairs you will find 2 Ensuite Bed Rms, each with gorgeous Baths, along with a Loft area, perfect for reading or an Office, all with exceptional Lake Cardinal views! Downstairs is a huge Family Rm with Bar, and access to 2 other Decks. There is a perfect 4th Bed Rm Suite with full Bath, and a lower-level Kitchen with Garage and outdoor access. An additional 1/2 Bath is conveniently located near the easy entry 2-car tandem Garage (4 car total). The site boasts over 150' of waterfront access through the landscaped paths to the dock. Cool summer afternoons come alive with the thrill of lake adventures. Whether you’re paddling across the pristine waters, sunning on the private dock, or simply diving into the open crystal-clear waters, the 65-acre Lake Cardinal becomes your personal, private playground, shared by only a handful of fortunate lake home owners. Residents can take advantage of the Lake Toxaway Marina Yacht Club to enjoy easy motor boating without the expense or maintenance of owning your own! Home can be purchased complete with all new designer furnishings! Membership to the Lake Toxaway Country Club is available through application. This home is a must see!

Highlights

Listed by Jeff Ramm , 614-332-1563 and Mike Batchelder , 614-332-1563 Coldwell Banker Advantage , 828-233-3100. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.82

HOA Fee

3925 Annually

Year Built

1988

County

Transylvania

Neighborhood

Lake Toxaway Estates

Listing ID

4431327

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:6
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:2
Appliances:Convection Microwave, Convection Oven, Dishwasher, Disposal, Double Oven, Down Draft, Filtration System, Gas Cooktop, Gas Water Heater, Ice Maker
Air Cond:Central Air,Electric,Heat Pump,Zoned
Fireplaces:Gas Log,Great Room,Keeping Room,Outside,Propane,Wood Burning
Floor:Tile,Wood
Above Ground Sq Ft:3503
Below Ground Sq Ft:1421
Basement:Basement Garage Door,Daylight,Exterior Entry,Finished,Storage Space,Sump Pump,Walk-Out Access
Other:
  • ▪ Additional:Entrance Foyer, Garden Tub, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), Has Fireplace, Master on Main
Water:Well

Exterior Features

Lot:Cul-De-Sac,Sloped,Wooded,Views,Waterfront,Boat Ramp – Community,Dock
Roof:Architectural Shingle,Metal
Others:
  • ▪ Additional:Dock - Floating, Gas Grill
Sewer:Private Sewer
Parking Features:Circular Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage Faces Side,Golf Cart Garage,Keypad Entry,Tandem

Open House

Upcoming Open Houses
Friday 1:00 pm - 4:00 pm Oct 16
Principal Interest
$28,072
Taxes
$3,184
HOA
$3,925

Home Price

$4,995,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$999,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$28,072.07

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $28,072.07 $3,184.31 $3,925.00 $35,181.38
Yearly $336,864.84 $38,211.75 $47,100.00 $422,176.59
Total $10,105,945.18 $1,146,352.50 $1,413,000.00 $12,665,297.68

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

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Market insight data is pulled from the same city as the listing being viewed (Lake Toxaway, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Terri Bias and Associates | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-10-14T17:53:06.000Z

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