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317 W Hills Dr, Murphy, NC, 28906

3beds
2baths
1,732sqft
$360,000
$208price/sqft
$2,376/moest. monthly cost
$95,040/yrincome needed

About This Home

Dreaming of a cabin in the woods with sunny space for a garden, too? With an Osburn high efficiency wood-burning fireplace with blower upstairs, 16KW propane Generac generator, and an 8x12 greenhouse and productive organic garden, this well-maintained 3 bed/2 bath cabin on 4.8 acres will let you live the self-sufficient lifestyle you’ve dreamed of. The property features a 1,500 sq, ft. home with a screened front porch, covered back deck, a separate shop and wood storage area, and two-car carport with attached storage room and wood shed. The sunny hillside garden and greenhouse are fenced and currently producing. Main level: One bedroom and bath, newly renovated kitchen and laundry with all new appliances, open concept living room/dining with fireplace. Two decks.. Upper: Two bedrooms and bath, one with private balcony. Bonus Points! Three water collection barrels Solar powered greenhouse, can grow through winter Four acres of private hiking trails Mountain view from greenhouse Stacks of seasoning firewood Fiber optic internet Tons of storage Suitable for a vacation home or year-round living. Interior furnishings, gardening supplies and outdoor tools negotiable.

Getting Around

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

Schools

5/10
Ranger Elementary/MiddleGrades PK-81.2 mi
6/10
Hiwassee Dam HighGrades 9-125.9 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Footing
  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Freezer,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Pantry,Window Treatments,Ceiling Fan(s),Drywall,Washer/Dryer Connection,Master on Main,Laundry on Main
  • Flooring: Other,Carpet,Laminate,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat pump,Other,Electric,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,732 sqft

Property

Details

  • Parcel number: 454003331084000

Features

  • Exterior features: Wood
  • Has view: Yes
  • View description: Mountain

Lot

  • Lot size: 5 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport

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 $1,820$21,840
Home Insurance *$132$1,584
Property Taxes $224$2,688
Electricity $200$2,405
Total$2,376$28,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,462/yr
40% on housing$71,280/yr
45% on housing$63,360/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 28906$191
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)

Price History

DateEventPrice
2026-04-20Listed for sale$360,000
2024-07-31Listing removed$495,000
2023-03-07Sold$290,000
2023-02-13Pending sale$339,000
2022-11-15Price change$339,000
2022-09-05Price change$389,000
2022-07-12Listed for sale$495,000
2022-06-12Listing removed--
2022-04-21Listed for sale$495,000
2014-07-15Sold$117,000

For Sale by Owner

AgentProperty Owner

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