198 Dew Drop Ln, Murphy, NC, 28906
About This Home
Warm and inviting 2BR/3BA cabin tucked away in a quiet, well-kept mountain community with paved roads approximately five miles from historical downtown Murphy and just one mile from the marina on Lake Hiwassee. Enjoy easy access to boating, fishing, and water recreation, with the public boat ramp and picnic areas at Hanging Dog Recreation Area just minutes away — making this an ideal location for lake lovers and outdoor enthusiasts. Step inside to soaring tongue-and-groove wood ceilings, expansive windows, and a stunning stacked stone fireplace that anchors the living space, creating classic chalet-style character paired with the comfort and convenience of main-level living. The main level features two bedrooms and two full baths, including a private primary ensuite, along with an open-concept living, dining, and kitchen area designed for gathering and everyday enjoyment. The fully finished lower level expands the living space with a spacious family room, bonus room, and third full bath — perfect for guests, movie nights, or flexible use as a home office, hobby space, or additional sleeping area. Thoughtful upgrades include a dual-fuel HVAC system with built-in dehumidifier, whole-house water filtration system, copper gutters, fiber optic internet, and exceptionally low utility costs, offering a combination of efficiency, durability, and year-round comfort. Outside, unwind on the wrap-around covered porches and enjoy the fenced yard for pets, all surrounded by peaceful mountain charm and natural beauty. Whether you're seeking a full-time residence or get-away retreat, this cabin offers a lifestyle centered around outdoor living and relaxation.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Property condition: Resale
- Year built: 2006
Materials
- Roof: Shingle
- Construction materials: Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,Chalet,Cabin
- Property subType: Residential
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Washer,Dryer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Full,See Remarks
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 2
Features
- Pantry,Ceiling Fan(s),Cathedral Ceiling(s),Sheetrock,Wood,High Speed Internet
- Flooring: Carpet,Luxury Vinyl
- Fireplace features: Gas Log
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Heat Pump,Propane
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 1,928
- Total interior livable area: 1,928 sqft
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 457300749368000
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch,Covered
- Fencing: Fenced
- Waterbody name: Near Lake Hiwasse
- Frontage type: Road
Lot
- Lot size: 0.74 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
- Inland Flooding
- Landslide
- Lightning
- Cold Wave
- Ice Storm
- Strong Wind
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Cherokee County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,870 | $22,440 |
| Home Insurance * | $136 | $1,632 |
| Property Taxes | $225 | $2,700 |
| Electricity | $200 | $2,405 |
| Total | $2,431 | $29,172 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-24 | Price change | $379,900 |
| 2026-04-10 | Listed for sale | $389,900 |
| 2026-04-08 | Listing removed | $389,900 |
| 2026-02-26 | Listed for sale | $389,900 |
| 2024-03-27 | Sold | $270,000 |
| 2024-02-21 | Listed for sale | $260,000 |
| 2019-01-11 | Sold | $210,000 |
| 2018-09-14 | Price change | $209,800 |
| 2018-08-10 | Listed for sale | $214,800 |
| 2007-04-05 | Sold | $228,000 |
For Sale by Agent
View on Zillow