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Active

95 Cardinal Trace

Lake Toxaway, NC 28747

Active Listed 1 Day Listing ID CAR 317229940

$4,995,000
Est. $32,036/mo20% down · 7.125% · 30-yrAdjust
  • P&I$26,922
  • Taxes$3,122
  • Insurance$1,665
  • HOA$327

Principal, interest, property tax, insurance & HOA. Estimate only — not a loan offer.

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$1,014/Sq Ft

4 bd · 4 ba · 4,924 sqft · $1,014/sqft

4 Beds
4 Baths
4,924 Sq Ft
$1,014/Sq Ft
1988 Built
1.82 acres Single Family Residence Lake Toxaway Estates Listed Oct 4, 2026 Updated Oct 5, 2026 HOA $3,925/yr

Waterfront

WaterLake Cardinal

HOA & Association

Dues$3,925/yrMonthly≈ $327/mo

About This Home

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!

Property history

  1. Oct 4, 2026
    Listed for sale $4,995,000 Active
    Listed 1 Day
  2. Aug 7, 2026
    Status changed to Off Market $4,995,000 Off Market
    Active -> Off Market
  3. Jul 11, 2026
    Price reduced $4,995,000 Active
    Was $5,499,000
Show 13 more Show less
  1. Jun 24, 2026
    Status changed to Off Market $5,900,000 Off Market
    Canceled -> Off Market
  2. Apr 30, 2026
    Previously listed $4,995,000 Off Market
  3. Apr 28, 2026
    Status changed to Off Market $5,790,000 Off Market
    Active -> Off Market
  4. Feb 23, 2026
    Status changed to Off Market $5,900,000 Off Market
    Canceled -> Off Market
  5. Oct 29, 2025
    Status changed to Canceled $5,900,000 Canceled
    Off Market -> Canceled
  6. Oct 29, 2025
    Previously listed $5,790,000 Off Market
  7. Jul 19, 2025
    Previously listed $5,900,000 Off Market
  8. Nov 1, 2024
    Sold $1,785,000 Closed
    Listed $1,850,000 · Jul 18, 2023 472 days on market
    Previously sold for $1,785,000
  9. Aug 9, 2024
    Price reduced $1,850,000 Closed
    Was $2,150,000
  10. Jul 18, 2023
    Previously listed $1,850,000 Closed
  11. Sep 30, 2022
    Sold $1,480,000 Closed
    Listed $1,650,000 · May 11, 2022 142 days on market
    Previously sold for $1,480,000
  12. May 11, 2022
    Previously listed $1,650,000 Closed
  13. Feb 3, 2015
    Sold $758,700 Closed
    Listed $849,000 · Jul 28, 2010 1651 days on market
    Previously sold for $758,700

Property Details

Interior Details

Heating
  • Central
  • Electric
  • Forced Air
  • Heat Pump
  • Zoned
Flooring
  • Tile
  • Wood
Room Count
18
Door Features
  • French Doors
  • Insulated Door(s)
  • Sliding Doors
Half Bathrooms
2
Total Bathrooms
6
Window Features
  • Insulated Window(s)
Laundry Features
  • Electric Dryer Hookup
  • Mud Room
  • Main Level
  • Washer Hookup
Main Level Sq Ft
2537
Basement Bedrooms
1
Interior Features
  • Entrance Foyer
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Walk-In Closet(s)
Main Level Garage
Yes
Security Features
  • Carbon Monoxide Detector(s)
  • Security System
  • Smoke Detector(s)
Upper Level Sq Ft
966
Fireplace Features
  • Gas Log
  • Great Room
  • Keeping Room
  • Outside
  • Propane
  • Wood Burning
Basement Full Baths
1
Basement Half Baths
1
Main Level Bedrooms
1
Upper Level Bedrooms
2
Main Level Full Baths
1
Main Level Half Baths
1
Second Living Quarters
  • Interior Connected
  • Room w/ Private Bath
  • Separate Entrance
  • Separate Kitchen Facilities
Upper Level Full Baths
2

Dwelling And Structure

Construction Type
Site Built
Architectural Style
  • Transitional

Square Footage And Levels

Levels
  • One and One Half
Above Grade Finished Area
3503
Below Grade Finished Area
1421

Parking And Garage

Parking Features
  • Circular Driveway
  • Attached Garage
  • Garage Door Opener
  • Garage Faces Front
  • Garage Faces Side
  • Golf Cart Garage
  • Keypad Entry
  • Tandem

Exterior Features

Roof
  • Architectural Shingle
  • Metal
Exterior Features
  • Dock - Floating
  • Gas Grill
Construction Materials
  • Hardboard Siding
  • Metal
  • Stone
Patio And Porch Features
  • Deck
  • Front Porch
  • Porch
  • Rear Porch
  • Side Porch

Lot And Land

Lot Features
  • Cul-De-Sac
  • Sloped
  • Wooded
  • Views
  • Waterfront
Lot Size Acres
1.82
Lot Size Units
Acres

Basement And Foundation

Basement
  • Basement Garage Door
  • Daylight
  • Exterior Entry
  • Finished
  • Storage Space
  • Sump Pump
  • Walk-Out Access
Foundation Details
  • Basement
  • Crawl Space

Waterfront And View

View
  • Water
  • Year Round
Waterfront Features
  • Boat Ramp – Community
  • Dock

Utilities

Sewer
  • Private Sewer
Utilities
  • Cable Connected
  • Electricity Connected
  • Propane
  • Underground Power Lines
  • Wired Internet Available
Water Source
  • Well

Financial Information

City Taxes Paid To
No City Taxes Paid

Zoning And Restrictions

Restrictions
  • Architectural Review
  • Short Term Rental Allowed
Subject To Ccrs
No

Listed by Jeff Ramm (614-332-1563) · Coldwell Banker Advantage (828-233-3100)

Location

Address
95 Cardinal Trace
City
Lake Toxaway, NC 28747
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Schools

Elementary
T.C. Henderson
Middle
Rosman
High
Rosman

School assignments may change. Contact the school district to confirm.

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95 Cardinal Trace, Lake Toxaway, NC, 28747

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