Cherokee County property record for 268 Whispering Hills Rd, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,080 sqft · built 2020 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $157,000 (Nov 2020) |
| Tax Bill | $1,118 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 455100507952000 |
| Primary APN | 455100507952000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,080 sqft Heated Area |
| Gross Area | 1,408 sqft |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 360 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 122 ft deep x 325 ft wide |
| Porch | Slab |
| Porch Area | 256 sqft |
| Deck Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 53321 |
|---|---|
| Street Address | 268 WHISPERING HILLS RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-3089 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 211 WHISPERING HILLS P/O 1622/991 |
| Legal Subdivision | WHISPERING HILLS SUBDIVISION |
| Legal Lot Number | 211 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | SHOAL CREEK |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 930606 |
268 Whispering Hills Rd is owned and occupied by two individuals who bought it in November 2020.
Source: Cherokee County records, as of March 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 268 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband 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.
| Date | Document |
|---|---|
| Jun 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL INC |
| Mar 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Nov 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2020 · Amount on File |
| Deed Sale | Nov 18, 2020 · Amount on File |
| Deed Document Number | 20207054 |
| Deed Book / Page | 1665 / 52 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 268 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 001736/381 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 1736/381 |
| Instrument | 2732 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 268 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001707/363 |
|---|---|
| Date | Mar 23, 2022 |
| Book Page | 1707/363 |
| Instrument | 1868 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Nov 18, 2020 |
| Property Address | 268 WHISPERING HILLS RD, MURPHY, NC 28906-3089 |
| Document Number | 0001665/52 |
| Book / Page | 1665 / 52 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 7054 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 680 ANDREWS RD, 680, MURPHY, NC 28906-2894 |
| Name | Verified Name |
|---|---|
| Address | 268 WHISPERING WOODS LN, MURPHY, NC 28906 |
| Document Number | 0000166556 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 1665/56 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 268 Whispering Hills Rd was $1,118.
Source: Cherokee County assessment roll, as of October 10, 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 | $1,118.00 | $157,330 | $157,330 Land $15,000 Building $142,330 |
| 2023 | $157,330 | $157,330 Land $15,000 Building $142,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 268 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 268 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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