Western NC Homes with a Dock

Browse listings for homes with a dock in Western North Carolina. Register on our site to receive email updates when similar properties matching your criteria become available. You may also be interested in viewing lakefront homes.

NC Homes for Sale with a Dock

Call Silver Creek Real Estate Group at 828-743-1999 for more information or to see any of the properties in person.

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100 The Pinnacle Drive Sapphire NC 28774

Sapphire, NC100 The Pinnacle Drive

Price$2,249,000

Est. Mortgage: $/month

MLS Number 1002253

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Acreage 0.35

Situated directly on Lake Soquilla in Burlingame, this three-bedroom, three-bathroom home offers the ultimate mountain retreat. The living room showcases soaring cathedral ceilings, exposed beams, and a striking stone fireplace, all framed by tall windows that capture sweeping views of the lake and surrounding mountains. The main level features a spacious screened porch, perfect for dining or relaxing while overlooking the water. The lower level includes a large family gathering area, a built-in office, and a second kitchen designed to serve guests and outdoor entertaining spaces. Tankless water heater. Outdoors, professionally designed landscaping by Mary Palmer Dargan creates a true waterfront oasis. Stone paths lead to a fire pit and your own private dock, where you can launch a canoe or simply enjoy the serenity of being right on the lake. Located on a quiet cul-de-sac street with convenient access to the Burlingame Country Club, this property combines privacy, natural beauty, and comfortable living in one exceptional lakefront home. Other amenities available upon membership.

Listed by Dorothy Swearingen of NCMountainLife.com

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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82 Innsbrook Drive Lake Toxaway NC 28747

Lake Toxaway, NC82 Innsbrook Drive

Price$2,100,000

Est. Mortgage: $/month

MLS Number 1003780

  • Residential
  • Bedrooms 2
  • Bathroom 4
  • Acreage 0.16

Few settings capture the Lake Toxaway lifestyle as immediately as this two-bedroom, four-bath lakefront pedestal home. The dock is just beyond the back door, reached across a gentle lawn, while views extend over the water to the surrounding mountain ridgelines. From sunrise on the deck to evenings beneath the covered lakeside porch, the home is designed around an effortless connection to the landscape. Inside, the living room makes a memorable impression with vaulted tongue-and-groove ceilings, exposed beams, a fireplace, and an expansive wall of windows framing the lake. Warm wood floors and natural textures create a relaxed atmosphere, while the room is equally comfortable for quiet evenings or lively gatherings. The kitchen offers granite countertops, a generous island with seating, stainless steel appliances, and an open connection to the dining area beneath another vaulted, beamed ceiling. The primary suite includes an adjoining sunroom currently used as an office, where windows capture the lake and mountains from multiple angles. A private balcony extends from the sunroom, creating an intimate perch for morning coffee or a quiet pause above the water. The suite includes a full ensuite bath, while the guest bedroom also enjoys its own private bath. Two additional full baths bring the home's total to four and add convenience across its levels. The finished walkout lower level offers a kitchenette, full bath, tiled flooring, built-in storage, and sliding glass doors opening to the covered patio, lawn, and lake. Ideal as a recreation room, secondary gathering space, or guest retreat, it supports relaxed lake days with ease. Although the setting feels peacefully removed, the property is approximately 20 minutes from Sapphire Valley Resort and downtown Cashiers, 30 minutes from Brevard, and 40 minutes from Highlands. Nearby hiking trails and waterfalls invite exploration, while dining, shopping, art, music, and events such as the Cashiers Plein Air Festival and Groovin' on the Green enrich the experience. Whether envisioned as a private mountain escape, a full-time lakefront residence, or a property with potential for short-term rental use subject to applicable rules and regulations, this home offers direct water access, flexible living space, and exceptional scenery. Experience the setting in person and discover a retreat where the water is more than a view-it is part of everyday life.

Listed by Douglas Treadwell of Mountain Life Real Estate,LLC

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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177 Forest Trail Highlands NC 28741

Highlands, NC177 Forest Trail

Price$2,095,000

Est. Mortgage: $/month

MLS Number 1003781

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 0.89

It's called Forest Trail for a reason. Surrounding the prestigious Cold Springs Saddle & Tennis Club - and this residence - are national forest, hiking trails, a well-stocked trout stream and lake, horse pastures, and an expansive view of Shortoff Mountain. Beyond the trees stands the crown jewel of the community - a home reimagined through a comprehensive, designer-led renovation. Light pours through fresh, open rooms dressed in curated, high-end finishes: wide-plank white oak floors, honed soapstone, crisp white shiplap, and beamed ceilings, all in a palette that feels warm, current, and quietly luxurious. Outside, an equally tasteful landscape plan - quintessentially "Highlands Style" - blends into the sloping terrain, which gives way to a rare, large flat backyard set just off the home's two expansive covered balconies. With generous living space that flows effortlessly from hearth to covered deck, this home lives as beautifully as it looks - across two full levels, inside and out. The main level is a true retreat: a stone fireplace, a chef's galley kitchen with custom banquette, dining for twelve if needed, an open family room, a double garage, a full covered deck, guest quarters, and a serene primary suite. The bright, airy lower level opens with a grand club room - big enough for a full media lounge and a pool table - that spills onto a large lower-level balcony and out to the backyard for a game of croquet, plus another large bedroom and a bonus flex room (a potential 4th). Furniture does not convey, however; it is negotiable. Walk to the canoe and kayak dock, fly fish from the island, keep your horses on-site in a private stable, and experience quietude like never before - all just ten minutes and under three miles from downtown Highlands.

Listed by Patrick Gleeson and Deborah Gleeson of Christie's International Real Estate Highlands-Cashiers

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1921 Franklin Road Highlands NC 28741

Highlands, NC1921 Franklin Road

Price$1,800,000

Est. Mortgage: $/month

MLS Number 1003620

  • Residential
  • Bedrooms 4
  • Bathroom 5
  • Acreage 1.84

Nestled along the shores of one of Highlands most scenic lake settings, 1921 Franklin Road is a rare opportunity to own a beautifully renovated historic hunting lodge that blends timeless mountain character with elevated luxury living. Rich in Highlands history and thoughtfully updated, this distinctive property captures the spirit of an era when Highlands was known as a private retreat destination for outdoor enthusiasts and discerning travelers alike. Inside, the home features warm wood details, inviting gathering spaces, and carefully curated renovations that preserve its historic charm while offering modern comfort and sophistication. Expansive windows frame breathtaking lake views, creating a peaceful backdrop throughout the home. Step outside to enjoy your own private dock - perfect for quiet mornings on the water, sunset gatherings, fishing, kayaking, or simply embracing the natural beauty that surrounds the property. The setting offers exceptional privacy while remaining conveniently close to downtown Highlands dining, shopping, and cultural attractions. Adding to the uniqueness of this offering, additional adjoining lots are available for purchase, creating a rare opportunity to expand the estate, preserve privacy, or create a multi-generational mountain retreat. A truly special Highlands property where history, luxury, and lakefront living come together in one unforgettable setting.

Listed by Kasie Campbell of Poss Realty Group - Clayton

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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149 W Woods Mountain Trail Cullowhee NC 28723

MLS Number 1003656

  • Residential
  • Bedrooms 4
  • Bathroom 5
  • Acreage 0.65

Located just minutes from Cashiers, this Blue Ridge Log Cabin offers a rare opportunity to complete your unique mountain retreat overlooking beautiful Lake Glenville. Approximately 80% of this new build is finished. The completed upper level features an open-concept great room with vaulted ceilings, a spacious kitchen, a primary suite with full bath, a guest bedroom with its own full bath, and an additional half bath. The lower level is already framed and designed for two additional bedrooms, two full baths, and a large bonus room, allowing the next owner to customize the finishing touches to their preferences. THE SELLER WILL DISCOUNT THE PRICE ACCORDING TO WHAT ITEMS ARE NOT FINISHED AT THE TIME OF CONTRACT. Two expansive covered rear porches capture peaceful views of Lake Glenville and the surrounding mountains, creating the perfect setting for outdoor living. An approved dock permit conveys with the property, providing the opportunity to enjoy one of Western North Carolina's most sought-after lakes. Conveniently located just a short drive from Cashiers, you'll enjoy boutique shopping, exceptional dining, nearby hiking trails, countless waterfalls, and public lake access with a boat ramp only 10 minutes away. Whether you're seeking a full-time residence, mountain getaway, or investment opportunity, this home offers the chance to finish a quality log cabin in an exceptional lake-view setting.

Listed by Philip Bradley of Cashiers Valley Real Estate LLC

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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62 Channel View Drive Cullowhee NC 28723

Cullowhee, NC62 Channel View Drive

Price$1,529,500

Est. Mortgage: $/month

Active With Contract

MLS Number 1002407

  • Residential
  • Bedrooms 4
  • Bathroom 5
  • Acreage 1.37

Minutes from Lake Glenville with golf cart access to the community dock and picnic area, this fully furnished Arts-and-Crafts retreat offers mountain ridge and seasonal Lake Glenville views, exceptional craftsmanship, generous living spaces, and the freedom of no rental restrictions. Nestled within gated Greycliff, a thriving mountain community with continued investment and new construction, this meticulously maintained home is move-in ready. Set on approximately 1.37 acres at approximately 4,000 feet in elevation, enjoy cool summer temperatures, privacy, and the natural beauty of the Cashiers-Highlands Plateau. The open-concept floor plan features soaring ceilings, a floor-to-ceiling stone fireplace, expansive windows, hardwood flooring, and a sophisticated blend of warm neutrals and natural textures that today's buyers desire. Recent improvements in 2024 include fresh interior and exterior paint, hardwood flooring, and Cristallo Quartzite countertops. The spacious kitchen offers abundant cabinetry, generous workspace, and a large walk-in pantry. The main level includes a primary suite with private deck access, a guest suite, a powder room, and a spacious walk-in laundry/mudroom with built-in storage and cubbies, just off the oversized two-car garage. Above the garage, a generous bonus room captures beautiful views and offers ideal space for an office, studio, fitness area, or additional recreation. The lower level features a large family room, media/game area, a guest bedroom, two full bathrooms, a bunk room, a flex room ideal for fitness, arts and crafts, or wine storage, plus abundant storage throughout. Expansive decks, hot tub, grilling area, and usable yard space for pets create inviting outdoor living spaces. The upper-level deck is anchored by a striking two-sided stone-faced propane fireplace, ideal for entertaining or relaxing while enjoying the mountain ridge and seasonal Lake Glenville views. Offered furnished with a few exceptions and ready for immediate enjoyment, this property combines remarkable views, Lake Glenville access, craftsmanship, flexible living spaces, and room to gather. With the seller motivated and prepared for the next chapter, now is the time to claim your place in the mountains and begin enjoying the cool temperatures, Lake Glenville access, and natural beauty that make this corner of the Plateau so special before another season passes by.

Listed by Bambi Famous Kaine of Silver Creek Real Estate Group,Inc.

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$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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98 Eagle Watch Drive Tuckasegee NC 28783

Tuckasegee, NC98 Eagle Watch Drive

Price$1,500,000

Est. Mortgage: $/month

MLS Number 1003358

  • Residential
  • Bedrooms 3
  • Bathroom 6
  • Acreage 0.63

Nestled on a private cove of pristine Bear Creek Lake in the gated Bear Lake Reserve, "The Mustard Seed" is an Arts & Crafts-style lakefront retreat offering sweeping long-range vistas and direct water access. The gourmet kitchen features a huge island, gas range and bar seating, plus a formal dining room. Main level living includes a large family room, screened porch and expansive wraparound decks on both levels with panoramic views of the lake and Cedar Cliff rock outcropping. Three bedrooms and three baths plus an art loft/office with inspiring lake views. Finished guest quarters on the lower level with a morning kitchen (sink, mini fridge, microwave, coffee bar) provide private space for guests or in-law living. Single attached Golf Cart/Side-by-Side Garage, Oversize Double Detached Garage with storage. Shared dock for boat, kayaks and toys. Furnishings negotiable; sale includes boat, kayaks and paddle board. Private gated mountain-lake resort with Jack Nicklaus-designed 9-hole golf, Lake Club with full-service dining, pools, lake access, tennis, fitness and more. Come see and feel the Rustic Elegance of Bear Lake Reserve!

Listed by Bernie Gilchrist of Sundog Realty

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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40 Toxaway Landing Drive Lake Toxaway NC 28747

MLS Number 1003454

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 0.17

Modern Mountain Charm in Lake Toxaway Estates Experience effortless lake-living in this beautifully renovated mountain retreat, complete with a deeded boat dock on North Carolina's largest private recreational lake. Blending modern design with warm rustic touches, this home is perfectly suited for relaxing getaways and family gatherings. Step inside to an inviting open great room, anchored by a handsome stone fireplace and filled with natural light. The bright, airy kitchen features custom built-ins, a spacious granite dining counter, and premium Fisher & Paykel appliances, creating an ideal space for cooking and entertaining. The main level offers both a primary and guest room, while the family-friendly sleeping loft includes its own large bath with a walk-in shower-perfect for kids or additional visitors. Easy-care wood floors run throughout the home, complementing the fresh and modern aesthetic. Outdoor living is equally impressive with a cheerful sunroom, a large screened porch, and a covered patio that flows easily into the wooded landscape. Spend evenings around the fire pit, or stroll down to your private dock for a day on the water. Located just minutes from US-64, Lake Toxaway Country Club, and the historic Greystone Inn, this charming home offers the perfect combination of convenience, comfort, and true mountain-lake lifestyle.

Listed by Hazel Fisher of Hazel R. Fisher and Associates

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$
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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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185 Songcatcher Court Tuckasegee NC 28783

Tuckasegee, NC185 Songcatcher Court

Price$1,325,000

Est. Mortgage: $/month

MLS Number 1003584

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Acreage 1.93

A classic mountain sanctuary nestled within the exclusive Bear Lake Reserve, this three bedroom, two and a half bath home offers approximately 2,350 square feet of refined living space on a 1.93-acre lot. Accessed via the community's private road, this residence epitomizes mountain privacy and serenity. The home showcases beautiful gable-end architecture with exquisite stone rockwork and a welcoming covered porch featuring bug screening and clear vinyl panels. Inside and out, an elegant stone fireplace anchors the home, with the exterior element gracing the screened porch, perfect for year-round enjoyment. Recent updates include a new roof and siding installed in 2025. The lakefront setting reveals its magic through a graceful stone walkway descending to a private cove opening, complete with a fire pit for evening gatherings. A shared dock on the common property line provides water access via a landscaped path. Parking is accommodated by a paved pad above the home. The seller is offering a generous $25,000 credit toward dock repairs and a $40,000 credit toward club membership, exceptional value for the discerning buyer. This is a truly exceptional mountain retreat for those seeking privacy, natural beauty, and timeless elegance.

Listed by Chandler Gammons of RE/MAX Summit Properties

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$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1217 Cullasaja Drive Highlands NC 28741

Highlands, NC1217 Cullasaja Drive

Price$1,300,000

Est. Mortgage: $/month

MLS Number 1003414

  • Residential
  • Bedrooms 5
  • Bathroom 4
  • Acreage 0.79

Located on a private, wooded lot with frontage connecting to the Cullasaja river feeding Mirror Lake with space for a new dock/canoe launch. This log cabin is tucked into the woods and has an artsy vibe great for creative and entertaining personalities. Rocking chair porch for relaxing afternoons, cook's kitchen, with large Bosch gas stove & dishwasher and a new Sub-Zero refrigerator, for creating culinary masterpieces. Plenty of space for parties. Main floor primary bedroom with bath and a very spacious tiled sunroom overlooking an open deck on one side and double doors to access a creek in the wooded backyard. The upper level has 3 bedrooms with a hall bath. There is a large concrete parking pad adjacent to the guest apartment, including an ADA-compliant shower and large closet. The space could easily be converted to include a kitchenette to create a separate, private apartment for family or guests or for long-term rental income. Or the apartment could easily be converted back to a car garage. This is a comfortable home with a great setting!

Listed by W. Terry Potts of Country Club Properties

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$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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394 Rendezvous Ridge Cashiers NC 28717

Cashiers, NC394 Rendezvous Ridge

Price$1,279,000

Est. Mortgage: $/month

MLS Number 1003691

  • Residential
  • Bedrooms 4
  • Bathroom 5
  • Acreage 0.17

Hummingbird Haven is a welcoming four-bedroom, four-and-a-half-bathroom mountain home in the sought-after Trillium Village community, ideally located just moments from the clubhouse and future Landings lakefront venue. Offering a peaceful setting and an ideal floor plan for entertaining family and friends, this home combines convenience with the relaxed mountain lifestyle that makes Trillium so desirable. The inviting great room features soaring cathedral wood ceilings, hardwood floors, a stunning wood-burning stone fireplace, and abundant natural light. The adjoining kitchen is beautifully appointed with granite countertops, new kitchen island, stainless steel appliances, and a bright dining area. Designed for mountain living, the main-level screened porch extends the living space with its own stone fireplace and built-in grill, while a second screened porch on the lower level provides another inviting outdoor gathering space. A covered front porch completes the home's welcoming outdoor living areas. The main-level primary suite features a spacious bathroom with a soaking tub, separate shower, and dual vanities. Upstairs, a private guest suite with its own bathroom offers a quiet escape. The lower level includes a generous family room with a kitchenette and two additional guest suites. All four bedrooms feature private ensuite bathrooms, providing exceptional comfort and privacy for family and guests alike. A workshop and additional crawl space storage offer ample room for tools, outdoor gear, and seasonal items. Offered mostly furnished, Hummingbird Haven is ready to enjoy as a full-time residence, mountain getaway, or investment opportunity. Optional membership to Trillium Links & Lake Club is available by invitation and offers championship golf, tennis, pickleball, croquet, a fitness center, swimming pool, shared boat docks on Lake Glenville, dining at the beautifully renovated clubhouse completed in 2023, and the exciting new lakefront venue, The Landings, currently under construction. Conveniently located just minutes from the Cashiers Crossroads, you'll enjoy easy access to boutique shopping, exceptional dining, The Village Green, community events, hiking trails, and everything that makes the Cashiers-Highlands Plateau such a special place to call home.

Listed by Cassie Neal of Silver Creek Real Estate Group,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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149 Hiwassee Road Lake Toxaway NC 28747

Lake Toxaway, NC149 Hiwassee Road

Price$1,250,000

Est. Mortgage: $/month

MLS Number 1003220

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 0.62

LAKEFRONT living and mountain tranquility in this beautifully crafted 2015 home, ideally situated in Indian Lake Estates. Designed for both comfort and connection to the outdoors, this property offers stunning lake views from nearly every room and a lifestyle that's hard to match. The main level features a vaulted great room with a cozy wood-burning fireplace, creating a warm and inviting space for gathering. The open-concept kitchen and dining area showcase granite countertops, double ovens, upscale stainless appliances, and a truly unique artistic touch with custom stained-glass cabinet doors. The spacious primary suite includes private access to the expansive covered and screened porch, along with an en-suite bath and dual closets. An additional bedroom or office and powder room complete the main level. Stretching across the entire back of the home, the covered and screened porch is the perfect place to enjoy morning coffee, evening sunsets, and peaceful lake views year-round. The lower-level walk-out offers exceptional flexibility with a private guest suite, full bath, and studio space-ideal for an in-law suite, creative retreat, or potential vacation rental. Step outside and embrace the lifestyle this property offers. With private lake frontage, enjoy kayaking, fishing, swimming, and relaxing from your own dock. Surrounded by natural, mature landscaping, the property provides a sense of privacy while blending beautifully with its surroundings. Nearby hiking trails add even more opportunity to explore the outdoors. Additional features include a fenced yard for pets or play and an oversized garage for ample storage and a hot tub to relax and unwind! Full house Generac generator. Private dock with 4 kayaks. Whether you're seeking a full-time residence, mountain getaway, or investment opportunity, this lakefront property delivers the best of Western North Carolina living.

Listed by Alice Lance of BluAxis Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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 "Based on information submitted to HCBOR as of August 24, 2026 7:13 PM UTC. All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."