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110 Sawtooth Ridge Rd, Murphy, NC, 28906

2beds
3baths
1,542sqft
$399,900
$259price/sqft
$2,518/moest. monthly cost
$100,720/yrincome needed

About This Home

Beautiful mountain cabin offering warm rustic charm and incredible views just minutes from town. The inviting interior features an all-wood design with soaring vaulted ceilings, stunning hardwood floors, and an open living area centered around a cozy gas log fireplace with stone surround. The kitchen includes granite countertops, stainless appliances, and a functional island perfect for gathering and entertaining. A spacious loft provides additional living or sleeping space, while the home offers 2.5 bathrooms for comfort and convenience. Step outside to the large screened porch and take in the peaceful mountain views—an ideal spot for relaxing or enjoying the outdoors year-round. The fenced yard offers space for pets, and the attached one-car garage provides excellent storage with plenty of room for gear. Located just a short drive from town, this property combines mountain privacy with easy access to shopping, dining, and local attractions. The home will also be sold partially furnished, making it move-in ready or an excellent turnkey mountain retreat.

Getting Around

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

Schools

7/10
Murphy ElementaryGrades PK-52.7 mi
5/10
Murphy MiddleGrades 6-82.5 mi
7/10
Murphy HighGrades 9-122.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

  • Roof: Metal
  • Construction materials: Frame,Log Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range,Microwave,Dishwasher,Washer,Dryer,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,See Remarks

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Loft,See Remarks,High Speed Internet
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,542
  • Total interior livable area: 1,542 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 459300290547000
  • Other equipment: Generator

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Screened,Deck,Covered
  • Exterior features: Private Yard
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),Year Round,Long Range
  • Frontage type: Road
  • Topography of land: Sloping

Lot

  • Lot size: 0.53 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Lightning
Cold Wave
Ice Storm
Strong Wind
Tornado
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 $2,022$24,264
Home Insurance *$147$1,764
Property Taxes $149$1,788
Electricity $200$2,405
Total$2,518$30,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,331/yr
40% on housing$75,540/yr
45% on housing$67,146/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

$259This 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)

No zestimate history available

Price History

DateEventPrice
2026-03-09Listed for sale$399,900

For Sale by Agent

AgentChrissy Sidler, REMAX Town & Country - Murphy
BrokerageREMAX Town & Country - Murphy

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