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56 Waxwing Trl, Murphy, NC, 28906

2beds
3baths
2,024sqft
$389,900
$193price/sqft
$2,546/moest. monthly cost
$101,840/yrincome needed

About This Home

Escape the chaos and come home to this 2-bed, 3-bath mountain chalet, where warm wood interiors, soaring ceilings, and wraparound decks create the ideal blend of comfort and escape. The vaulted great room anchors the home with natural light and a striking fireplace, while the kitchen's breakfast bar invites easy mornings and relaxed entertaining. Two main-level bedrooms open directly onto the expansive deck, offering instant access to the outdoors. Upstairs, the loft suite with full bath offers a spacious retreat that could easily serve as the primary bedroom or a welcoming guest haven. A fully finished basement adds valuable flex space for hobbies, hosting, or downtime. Set on .86 acres with a wood-sided exterior, outbuilding storage, and a deck that wraps around three sides, this property is designed for real mountain living. Just minutes from Murphy's shops, restaurants, rivers, trails, and more, it's the kind of home that solves the question of where to recharge—without compromise.

Getting Around

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

Schools

5/10
Ranger Elementary/MiddleGrades PK-82.4 mi
6/10
Hiwassee Dam HighGrades 9-125.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Roof: Shingle
  • Construction materials: Frame,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range,Oven

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Sheetrock
  • Flooring: Wood,Carpet
  • Fireplace features: Vented
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,024
  • Total interior livable area: 2,024 sqft

Property

Details

  • Parcel number: 455100804115000

Features

  • Levels: One and One Half
  • Stories: 1
  • Frontage type: Road

Lot

  • Lot size: 0.86 Acres

Parking

  • Parking features: Driveway,Gravel
  • 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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,971$23,652
Home Insurance *$143$1,716
Property Taxes $232$2,784
Electricity $200$2,405
Total$2,546$30,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,291/yr
40% on housing$76,380/yr
45% on housing$67,893/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

$193This 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
2026-02-12Price change$389,900
2025-06-11Price change$399,900
2025-06-11Listed for sale$399,000
2016-03-07Sold$170,000
2015-10-21Listed for sale$179,000
2015-06-08Listing removed$179,500
2015-06-06Price change$179,500
2015-06-03Price change$179,000
2015-04-30Price change$179,500
2014-07-01Listed for sale$185,900
2005-09-23Sold$32,500

For Sale by Agent

AgentJoey Reid
BrokerageAppalachian Land Company

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