Cherokee County property record for 245 Whispering Hills Rd, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 920 sqft · built 2021 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | Individual Name on File |
| Last Sale | $365,000 (Dec 2024) |
| Tax Bill | $1,218 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jun 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 455100505961000 |
| Primary APN | 455100505961000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 920 sqft Heated Area |
| Flooring | Wood |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Wood Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 42,689 sqft (0.98 acres) |
| Lot Width | 214 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 196 sqft |
| Porch | Open Porch |
| Porch Area | 280 sqft |
| Deck Area | 192 sqft |
| Heating Fuel | Electric |
|---|
| Account Number | 64277 |
|---|---|
| Street Address | 245 WHISPERING HILLS RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-3089 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 202 & 203 WHISPERING HILLS 1736/824 |
| Legal Lot Number | 202-203 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | SHOAL CREEK |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 930606 |
245 Whispering Hills Rd is owned and occupied by an individual who bought it in December 2024.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 245 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| 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.
| Date | Document |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK TEXAS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2024 · Amount on File |
| Deed Sale | Dec 18, 2024 · Amount on File |
| Prior Sale | Jun 12, 2023 · Amount on File |
| Deed Document Number | 6241 |
| Deed Book / Page | 1769 / 1389 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 245 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 01706/1390 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 1706/1390 |
| Instrument | 1777 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Jun 12, 2023 |
| Property Address | 245 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Document Number | 001736/824 |
| Book / Page | 1736 / 824 |
| Instrument Date | May 31, 2023 |
| Instrument | 2818 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $658.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 245 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Name | Verified Name |
|---|---|
| Address | 245 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Document Number | 001736/828 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 1736/828 |
| Instrument | 2819 |
| Name | FIRST NATIONAL BANK TEXAS |
|---|---|
| Type | Bank |
| Address | KILLEEN, TX 76542 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
The 2025 property tax bill for 245 Whispering Hills Rd was $1,218.
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 | $1,218.00 | $172,530 | $172,530 Land $30,000 Building $142,530 |
| 2023 | $179,650 (-) | $179,650 (-) Land $30,000 Building $149,650 | |
| 2022 | $1,255.00 | $179,650 | $179,650 Land $30,000 Building $149,650 |
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 245 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 245 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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