111 Whispering Woods Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 111 Whispering Woods Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,530 sqft · built 1997
Lot Size	6.07 acres (264,409 sqft)
Owner	Individual Name on File
Last Sale	$171,500 (Aug 2017)
Tax Bill	$1,239 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`456400752187000`

Property Details

APN / Parcel Number

Primary APN	`456400752187000`
Alternative APN	`46154`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,530 sqft Heated Area
Upper Floors Area	510 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Wood Shingle
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	264,409 sqft (6.07 acres)
Lot Dimensions	380 ft deep x 609 ft wide
Porch	Open Porch
Porch Area	256 sqft
Deck Area	626 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	46154
Street Address	111 WHISPERING WOODS LN
City	MURPHY
State	NC
Zip	28906-9740
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 3 & TR 1-B ARMSTRONG PROP 1530/918
Legal Phase	1530
Legal Tract	1
Legal Lot Number	3
Jurisdiction	CHEROKEE NC
Township / Civil Division	BEAVERDAM
Census Block Group	1
Census Block	1051
Census Tract	930300

Owner

111 Whispering Woods Ln, a rural home, is owned and occupied by an individual who bought it in August 2017.

Source: Cherokee County records, as of October 9, 2025

Owner of Record	Individual Name on File
Mailing Address	111 WHISPERING WOODS LN, MURPHY, NC 28906-9740
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Aug 16, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 17, 2017	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2017 · Amount on File
Deed Sale	Aug 17, 2017 · Amount on File
Deed Document Number	03646
Deed Book / Page	01567 / 0239
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	111 WHISPERING WOODS LN, MURPHY, NC 28906-9740
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WHISPERING WOODS LN, MURPHY, NC 28906-9740

Mortgage

Document Number	01785/1316
Date	Sep 12, 2025
Book Page	1785/1316
Instrument	4427

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	899 S OYSTER BAY RD, BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 28, 2055

Interest

Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	111 WHISPERING WOODS LN, MURPHY, NC 28906-9740
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	SURETY LENDER SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1688/666
Date	Aug 16, 2021
Book Page	1688/666
Instrument	5449

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Sep 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 17, 2017
Property Address	111 WHISPERING WOODS LN, MURPHY, NC 28906-9740
Document Number	01567/0239
Book / Page	01567 / 0239
Instrument Date	Aug 10, 2017
Instrument	03646
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69 DAVIDSON RD, 69, ASHEVILLE, NC 28803-9675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 CONSERVANCY WAY APT 101, 101, CHESAPEAKE, VA 23323-1339

Mortgage

Document Number	03647
Date	Aug 17, 2017
Instrument	03647

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 111 Whispering Woods Ln was $1,239.

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,239.00	$172,280	$172,280 Land $20,890 Building $151,390
2023		$172,280	$172,280 Land $20,890 Building $151,390

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 111 Whispering Woods Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective February 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 111 Whispering Woods Ln is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 85% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

Cell Coverage

No cell data coverage reported

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