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124 Graystone Dr, Murphy, NC, 28906

2beds
2baths
2,398sqft
$495,000
$206price/sqft
$3,218/moest. monthly cost
$128,720/yrincome needed

About This Home

Beautiful Cabin well-situated on total of 4.17 acres, surrounded by lush forest and BIG Breathtaking year-round Mountain Views. Home was recently renovated and upgraded, added more heated square footage and quality features (See Home new Items List attached). Meticulous landscaping, home is clean inside and out with gorgeous hardwood floor through out the house. All on one floor for convenience and easy access. Welcome you at the large Living Room is a nice Masonry Gas Log Fireplace, look out to the spectacular long range Mountain View. Enjoy family and friends gathering for dinner in a large open formal Dining room with a 2nd Rock Gas log Fireplace and a gourmet Kitchen with all stainless steel appliances and new butcher block countertops. Plenty of Kitchen cabinets and a nice Pantry/Laundry room in the next room. Split floor plan with 2 large private Master Suites with mountain view and walk-in closet. Enjoy the full length 10'x44' Sunroom with 14 glass windows flood the interior with natural light, to soak in the morning sun and watching the birds and flowers in front yard. Another large Craft/Art Room offers panoramic mountain view and watch the wildlife passes by in the valleys. New 2-car garage attached and the shed detached. Large Crawlspace for more storage/workshop if needed. FIBER OPTIC internet. Full house generator. Fire pit in the back yard for chill nights with the view and the amazing sunset. Enjoy your morning walk in this nice and quiet neighborhood with beautiful homes, so peaceful and serene landscape that you can hear the angels. Only minutes to town and convenient to lakes and rivers, shopping, hospitals, Harrah's Cherokee Casino and all mountain outdoor attractions in Tri-states. Welcome Home! Make it your full-time Home, your mountain Retreat or income producing Airbnb! See the Virtual Tour. The listing is back to the market due to previous Buyer's financial situation.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Ranger Elementary/MiddleGrades PK-85.8 mi
6/10
Hiwassee Dam HighGrades 9-127.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2002

Materials

  • Foundation: Permanent
  • Roof: Shingle
  • Construction materials: Frame,See Remarks,Cedar,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range,Microwave,Dishwasher,Washer,Dryer,Tankless Water Heater,Electric Water Heater,Gas Water Heater,See Remarks
  • Laundry features: Main Level,Laundry Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Features

  • Pantry,Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Wood,See Remarks,High Speed Internet
  • Window features: Storm Window(s),Insulated Windows,Wood Frames,See Remarks
  • Flooring: Wood,Tile,Laminate
  • Number of fireplaces: 2
  • Fireplace features: Ventless,Gas Log,See Remarks
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Mini-Split,See Remarks
  • Cooling features: Central Air,Electric,Mini-Split,See Remarks

Interior Area

  • Total structure area: 2,398
  • Total interior livable area: 2,398 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 441900877235000
  • Other equipment: Satellite Dish,Generator

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,See Remarks
  • Exterior features: Storage,Garden,Private Yard,Fire Pit
  • Has view: Yes
  • View description: Mountain(s),Year Round,Long Range,Trees/Woods
  • Frontage type: None
  • Topography of land: Level,Sloping,Wooded,See Remarks

Lot

  • Lot size: 4.17 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Driveway,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Tornado
Cold Wave
Inland Flooding
Ice Storm
Landslide
Strong Wind
Wildfire

FEMA Declared Disasters in Cherokee County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,502$30,024
Home Insurance *$182$2,184
Property Taxes $311$3,732
Electricity $223$2,680
Total$3,218$38,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,331/yr
40% on housing$96,540/yr
45% on housing$85,813/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 28906$190
Cherokee County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 28906
Cherokee County$227

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-11Pending sale$495,000
2026-04-15Listed for sale$495,000
2026-04-09Pending sale$495,000
2025-10-14Listed for sale$495,000

For Sale by Agent

AgentMary Schuler
BrokerageBIG Realty!

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