305 Whispering Hills Road, Murphy, GA 28906
Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
305 Whispering Hills Road in Whispering Hills, Murphy is listed at $249,900. That is 26% below Whispering Hills's median closed sale of $337,500 over the last 12 months (6 recorded sales). It has been listed Sep 20, 2026, longer than the community's typical 32 days to contract. Listing facts: built in 2021. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 2021 · 5 yrs
- Garage
- listed Sep 20, 2026
About this home
Come home to the quiet of the mountains without giving up convenience. This inviting retreat sits in Whispering Hills, a peaceful community just minutes from downtown Murphy, with paved access and an easy drive to everyday needs. Step inside and the home feels warm and usable from the start.
Granite countertops give the kitchen a polished, lasting finish-ready for simple weeknight meals or slow weekend mornings. The layout is easy to live in, with a comfortable flow that makes the space feel open and welcoming. It's the kind of house you settle into quickly, whether you're here full time or just for the weekend.
The extras are what make it work. A finished metal roof is built for mountain weather and low upkeep. The screened-in porch is the heart of outdoor living-coffee at sunrise, a book in the afternoon, or evening air without the bugs.
A detached garage adds real storage and workspace, and the paved parking area keeps parking and coming-and-going simple in every season. The location is the other big plus. Murphy sits where the Hiwassee and Valley Rivers meet, with lakes, forests, and trails all around.
Downtown is close for dining, shops, and the River Walk. Nearby you'll find Hiwassee and Apalachia Lakes, the John C. Campbell Folk School, Harrah's Cherokee Valley River Casino, and day trips to Blue Ridge, the Nantahala Gorge, and the Ocoee.
Private enough to feel like a getaway, close enough to live well. Come see 305 Whispering Hills Rd and picture your next chapter in the mountains!
All 39 photos
Description provided by Coldwell Banker High Country and reproduced from the MLS; not independently verified.
Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Whispering Hills. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,354/mo 82%
- Taxes $219/mo 13%
- Insurance $74/mo 5%
$1,647/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Cherokee County, GA: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2021BuiltPer public record
- About Sep 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Sep 20, 2026)
- Oct 26, 2026First seen on our siteObserved at $249,900
- NowPendingSale pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Momentum Property Score
82/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
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Listed by Coldwell Banker High Country · MLS # 10840386
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Similar homes for sale near Whispering Hills
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Whispering Hills
- 639 Stickley Oak Way · $460,000 · 3 bd / 2.5 ba · listed November 11, 2026
- 503 Courtyard Way · $434,900 · 2 bd / 2.0 ba · listed November 10, 2026 (courtesy of Beycome Brokerage Realty LLC)
- 505 Bonneset Court · $425,000 · 2 bd / 2.0 ba · listed November 8, 2026 (courtesy of BHHS Georgia Properties)
- 118 Owens Farm Lane · $518,000 · 3 bd / 3.0 ba · listed November 8, 2026 (courtesy of RE/MAX Town & Country)
- 219 Kigian Trail · $340,000 · 3 bd / 2.5 ba · listed November 8, 2026 (courtesy of BHHS Georgia Properties)
- 541 Theodore Cox Circle · $598,000 · 4 bd / 2.0 ba · listed November 7, 2026 (courtesy of Sign Your Deed Realty)
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Whispering Hills
Go deeper on Whispering Hills
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Cherokee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
Amenities and HOA/CDD detail on the neighborhood guide.
View →Buyer research checklist
Items worth confirming for 305 Whispering Hills Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Cherokee County; age of roof and any prior claims affect the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $2,624/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Georgia MLS, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 305 Whispering Hills Road and when was it built?
Per the listing record, 305 Whispering Hills Road was built in 2021 and has 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 305 Whispering Hills Road in?
305 Whispering Hills Road is in Whispering Hills in Murphy, Cherokee County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
How are property taxes on 305 Whispering Hills Road estimated?
The estimate on this page (about $2,624 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.
Is 305 Whispering Hills Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 305 Whispering Hills Road in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by Momentum Realty LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.