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385 Old Whitener Rd, Murphy, NC, 28906

1beds
1baths
500sqft
$190,000
$380price/sqft
$1,285/moest. monthly cost
$51,400/yrincome needed

About This Home

Your mountain getaway awaits! This easily accessible retreat features a new metal roof, a beautiful creek, and a recently updated septic system, offering comfort and peace of mind. Surrounded by the natural beauty of the mountains, this property provides everything you need to relax and feel right at home. Whether you're looking for a weekend escape, vacation rental, or full-time retreat, this is a must-see—schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
Ranger Elementary/MiddleGrades PK-81.7 mi
6/10
Hiwassee Dam HighGrades 9-125.0 mi

Construction

Condition

  • Property condition: Fair
  • Year built: 1982

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Residential,Cabin,Single Family Residence

Interior

Appliances

  • Appliances included: Range,Refrigerator,Electric Water Heater
  • Laundry features: Washer/Dryer Connection

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Paneling,Wood Walls,Satellite Internet
  • Flooring: Carpet
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Electric,Fireplace(s)
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 500
  • Total interior livable area: 500 sqft

Property

Details

  • Parcel number: 454001373948000
  • Zoning description: None

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Porch,Screened
  • Has view: Yes
  • View description: Seasonal View
  • Waterfront features: Branch,Creek

Lot

  • Lot size: 0.25 Acres
  • Features: Less than 1 Acre

Parking

  • Parking features: 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 $960$11,520
Home Insurance *$70$840
Property Taxes $55$660
Electricity $200$2,405
Total$1,285$15,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,057/yr
40% on housing$38,550/yr
45% on housing$34,266/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

$380This listing

vs Other Active Listings

Avg $/sqft

ZIP 28906$193
Cherokee County$179

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
2025-12-15Listed for sale$190,000
2025-11-12Listing removed$154,900
2024-11-13Listed for sale$154,900
2024-09-17Listing removed$155,000
2024-08-20Pending sale$155,000
2024-08-02Price change$155,000
2024-01-11Listed for sale$179,900

For Sale by Agent

AgentBlake Dockery
BrokerageREMAX Town & Country - Murphy

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