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195 Whispering Hills Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 195 Whispering Hills Rd, Murphy, NC 28906

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 864 sqft · built 2021
Lot Size1.07 acres (46,609 sqft)
Owner2 Individual Names on File
Last Sale$330,000 (Mar 2026)
Tax Bill$1,190 (2025)
Deeds & MortgagesMar 2026 Foreclosure
Feb 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN455100504830000

Property Details

APN / Parcel Number

Primary APN455100504830000
Alternative APN
  • 56852

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area864 sqft Heated Area
Gross Area1,344 sqft
1st Floor Area864 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2022
Exterior MaterialWood Siding
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area46,609 sqft (1.07 acres)
Lot Dimensions366 ft deep x 195 ft wide
PorchPatio
Porch Area360 sqft
Deck Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number56852
Street Address195 WHISPERING HILLS RD
CityMURPHY
StateNC
Zip28906-3099
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 201 & 220 WHISPERING HILLS P/O 1622/991
Legal SubdivisionWHISPERING HILLS SUBDIVISION
Legal Lot Number201-220
JurisdictionCHEROKEE NC
Township / Civil DivisionSHOAL CREEK
Census Block Group2
Census Block2043
Census Tract930606

Owner

195 Whispering Hills Rd is owned by two individuals who bought it in March 2026.

Source: Cherokee County records, as of April 3, 2026

Owner of Record2 Individual Names on File
Mailing Address1119 KELLOGG MILL RD, STAFFORD, VA 22554-6927
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Mar 26, 2026Public Action, Foreclosure · Commercial Mortgage
UNION HOME MORTGAGE CORP
Feb 25, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 26, 2026 · Amount on File
Deed SaleMar 26, 2026 · Amount on File
Deed Document Number20261406
Deed Book / Page1797 / 1479
Record UpdatedJun 8, 2026

March 2026: Public Action, Foreclosure

Document TypePublic Action
JurisdictionCHEROKEE NC
Recording DateMar 26, 2026
Property Address195 WHISPERING HILLS RD, MURPHY, NC 28906-3099
Document Number01797/1479
Book / Page1797 / 1479
Instrument DateMar 4, 2026
Instrument1406
Transaction TypeForeclosure
Record UpdatedApr 3, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$660.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address1106 BERMUDA LN, MCDONOUGH, GA 30252-4819

Transferred To (Grantee/Buyer)

NameVerified Name
Address1119 KELLOGG MILL RD, STAFFORD, VA 22554-6927

Mortgage

Document Number0017971483
DateMar 26, 2026
Instrument1797/1483
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2056

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE NC
Recording DateFeb 25, 2022
Property Address195 WHISPERING HILLS RD, MURPHY, NC 28906-3099
Document Number001705/166
Book / Page1705 / 166
Instrument DateJan 24, 2022
Instrument1266
Transaction TypeTransfer
Record UpdatedOct 20, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$487.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address680 ANDREWS RD, MURPHY, NC 28906-2894

Transferred To (Grantee/Buyer)

NameVerified Name
Address1106 BERMUDA LN, MCDONOUGH, GA 30252-4819

Mortgage

Document Number0001705170
DateFeb 25, 2022
Instrument1705/170
Lender
NameUNITED COMMUNITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 195 Whispering Hills Rd was $1,190.

Source: Cherokee County assessment roll, as of October 10, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCherokee County
Unified School DistrictCherokee County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,190.00$168,340$168,340 Land $30,000 Building $138,340

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

Flood

FEMA maps place 195 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies4 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

Wildfire risk around 195 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 RiskModerate
above 63% of the US · above 85% of North Carolina
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 79 locations within half a mile, as of December 31, 2025

ProviderMax 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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