Single Family Residence at 124 Flat Creek Drive, Lake Toxaway
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 2 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 3 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 4 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 5 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 6 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 7 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 8 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 9 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 10 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 11 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 12 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 13 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 14 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 15 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 16 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 17 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 18 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 19 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 20 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 21 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 22 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 23 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 24 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 25 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 26 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 27 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 28 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 29 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 30 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 31 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 32 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 33 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 34 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 35 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 36 of 37
Single Family Residence at 124 Flat Creek Drive, Lake Toxaway, photo 37 of 37
37 photos

$327,400

124 Flat Creek Drive
Lake Toxaway, NC 28747
Listed by Jake Raines · Raines Realty, INC
Bedrooms
2
Bathrooms
2
Living area
1,728 sqft
Year built
1995

About this home

Welcome to 124 Flat Creek Drive—an elegant mountain retreat ideally positioned in the heart of Lake Toxaway, North Carolina. Set on a serene, wooded +/- 1-acre parcel, this thoughtfully upgraded residence offers a rare blend of privacy, natural beauty, and effortless access to the region’s most coveted outdoor destinations. Just minutes from the breathtaking trails and waterfalls of Gorges State Park and the renowned recreation of DuPont State Forest and Pisgah Nation Forest, this property serves as an exceptional haven for those who appreciate both comfort and adventure. Inside, the home showcases a light-filled, open-concept design that seamlessly unites the living, dining, and kitchen areas—ideal for elevated everyday living or gracious entertaining. Tasteful interior upgrades and abundant natural light create a warm yet sophisticated atmosphere. With two well-appointed bedrooms and two nice bathrooms, the floor plan offers both function and refined style. The covered side porch extends the living space outdoors, inviting you to relax in a tranquil setting surrounded by mature trees and the soothing ambiance of the mountains. In addition to its residential appeal, this property presents outstanding short-term rental investment potential. Lake Toxaway’s year-round demand for small mountain escapes—paired with proximity to premier natural attractions—positions this home as an attractive income-producing asset without sacrificing its charm as a personal retreat. A compelling blend of upscale comfort, natural serenity, and strategic opportunity, 124 Flat Creek Drive is modest mountain living at its finest.

Property details

MLS
Canopy MLS
MLS #
CAR4325770
Property type
Single Family Residence
Subdivision
Flat Creek
Status
Active
Days on market
325
On market date
November 27, 2025
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
N/A
Loading map…

Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
T C Henderson
1.76 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
114
Student:teacher ratio
10.4:1
District
Transylvania County Schools
Middle
Rosman Middle
4.2 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.6
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
209
Student:teacher ratio
10.5:1
District
Transylvania County Schools
High
Rosman High
4.19 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
3.6
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
275
Student:teacher ratio
9.8:1
District
Transylvania County Schools

Walkability

Blended score for Lake Toxaway's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

18
Very car-dependent
out of 100
EPA National Walkability Index
5.8 / 20 -- Below average walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Lake Toxaway, from live MLS data.

On the market 325 days -- 137 more days than Lake Toxaway's current average of 188 days.
For reference, the median list price across 118 active listings in Lake Toxaway right now is $467,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

$
%
%
Adjust tax / insurance estimates
% / yr
$
/mo
Est. monthly payment
$2,122/mo
$65,480 down
$261,920 loan
Principal & interest$1,699
Property tax (est.)$273
Home insurance (est.)$150

Similar homes you might like

Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 3 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.