Cherokee County property record for 145 Whispering Hills Rd, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 520 sqft · built 2019 |
| Lot Size | 0.619 acres (27,007 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Sep 2025) |
| Tax Bill | $814 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 455100503761000 |
| Primary APN | 455100503761000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 520 sqft Heated Area |
| Flooring | Wood |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Combination |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 27,007 sqft (0.619 acres) |
| Lot Dimensions | 136 ft deep x 223 ft wide |
| Porch | Porch |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 51174 |
|---|---|
| Street Address | 145 WHISPERING HILLS RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-3099 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 105 WHISPERING HILLS P/O 1622/991 |
| Legal Lot Number | 105 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | SHOAL CREEK |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 930606 |
145 Whispering Hills Rd is owned by an individual who bought it in September 2025.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 969 BURNING MAPLE LN, MEBANE, NC 27302-9958 |
| 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.
| Date | Document |
|---|---|
| Sep 16, 2025 | Warranty Deed, Transfer · Commercial Mortgage TOTAL QUALITY FINANCIAL INC |
| Dec 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on File |
| Deed Sale | Sep 16, 2025 · Amount on File |
| Prior Sale | Dec 13, 2019 · Amount on File |
| Deed Document Number | 4474 |
| Deed Book / Page | 1786 / 31 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Sep 16, 2025 |
| Property Address | 145 WHISPERING HILLS RD, MURPHY, NC 28906-3099 |
| Document Number | 0001786/31 |
| Book / Page | 1786 / 31 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 4474 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $530.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 258 WHITFIELD LN, WEAVERVILLE, NC 28787-6215 |
| Name | Verified Name |
|---|---|
| Address | 969 BURNING MAPLE LN, MEBANE, NC 27302-9958 |
| Document Number | 0000178637 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 1786/37 |
| Name | TOTAL QUALITY FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Dec 13, 2019 |
| Property Address | 145 WHISPERING HILLS RD, MURPHY, NC 28906 |
| Document Number | 01631/0856 |
| Book / Page | 01631 / 0856 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 06299 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $267.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 236 RITZ RD, 236, MURPHY, NC 28906-6259 |
| Name | Verified Name |
|---|---|
| Address | 40137 COUNTY ROAD 452, LEESBURG, FL 34788-8375 |
| Document Number | 0016310860 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 01631/0860 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 145 Whispering Hills Rd was $814.
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $814.00 | $111,070 | $111,070 Land $15,000 Building $96,070 |
| 2023 | $111,070 | $111,070 Land $15,000 Building $96,070 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 145 Whispering Hills Rd in Zone X, an area of minimal flood risk.
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 |
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 risk around 145 Whispering Hills Rd is moderate, ranking above 63% 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 63% 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blue Ridge Mountain EMC Fiber | 1,000 / 1,000 |
| Peachtree Broadband Fiber Cable | 500 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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