$645,000
SOLD SEP 18, 2025
3 Beds
3.5 Baths
-- Sq Ft
0.91 Acres

Recently Sold

4% Below List Price

45 Days on Market

Highlights

  • Ski Accessible
  • Beach Access
  • Fitness Center
  • Boat Dock
  • Golf Course Community
  • Basketball Court

About This Home

As of September 2025

Tucked away at the end of a quiet cul-de-sac, this quintessential mountain cabin offers peaceful seclusion and scenic charm, all within the nature-centric Whisper Lake community. Bordered by 1400 acres of forest and a gentle stream, the setting is serene and private — ideal for those seeking a true retreat in the woods.

This well-maintained home features three spacious bedrooms, one on each level, and is being offered furnished with minimal exclusions, making it move-in ready. With three full bathrooms and a convenient half bathroom, the layout offers both comfort and flexibility for guests.

Enjoy nature from the comfort of expansive porches or through large windows that bring the outdoors in. The kitchen is open and functional — perfect for both daily use and entertaining. Providing opportunities for sipping coffee while listening to the rain in the trees or enjoying dinner with friends as the stream trickles nearby, this home captures the essence of mountain living.

Whisper Lake is a private community located between Cashiers and Sapphire. A scenic drive along Highway 64 and across the Horsepasture River leads to this rustic enclave, centered around a quiet, private lake where residents enjoy swimming, fishing, canoeing, kayaking, and electric boating. Community services include paved roads, deeded water access, a private dock, a picnic area, and racks for canoes and kayaks. The community also enjoys an active social calendar with regular events such as gatherings at the lake, canoe outings, luncheons, a book club, monthly movie nights, and more.

Sapphire Valley Master Association membership grants access to extensive resort amenities, including the 55-acre Fairfield Lake and beach, one heated indoor and three outdoor pools, a fitness center and spa, trails, mini-golf, picnic areas, playgrounds, gem mining, and a recreation center. Optional amenities include Red Bird Golf Course, Fairfield Tennis Facility, and seasonal skiing and tubing, all available at reduced homeowner rates.

Don’t miss this fantastic opportunity to own a fully furnished, turn-key cabin in one of the Plateau’s most vibrant communities. Conveniently located just minutes from the shopping, dining, and attractions of Cashiers and Sapphire, and within easy reach of Highlands, Glenville, and Lake Toxaway, this home provides the perfect gateway to all the adventures and tranquility the Western North Carolina mountains have to offer.

Last Agent to Sell the Property

Dan Allen

Silver Creek Real Estate Group, Inc. License #216684 Listed on: 07/15/2025

Last Buyer's Agent

Mitzi Rauers

Berkshire Hathaway HomeServices Meadows Mountain Realty

Berkshire Hathaway HomeServices Meadows Mountain Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,457

Year Built

  • Built in 2004

Lot Details

  • 0.91 Acre Lot
  • Cul-De-Sac
  • Lot Has A Rolling Slope
  • Wooded Lot

HOA Fees

Parking

  • Driveway

Home Design

  • Frame Construction
  • Shingle Roof
  • Wood Siding
  • Block Exterior

Interior Spaces

  • Partially Furnished
  • Cathedral Ceiling
  • Ceiling Fan
  • Wood Burning Fireplace
  • Living Room with Fireplace
  • Views of Woods
  • Partially Finished Basement
  • Interior Basement Entry
  • Laundry on lower level

Kitchen

  • Eat-In Kitchen
  • Microwave
  • Dishwasher
  • Disposal

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms

Outdoor Features

  • Beach Access
  • Basketball Court
  • Deck
  • Covered Patio or Porch

Utilities

  • Central Air
  • Heat Pump System
  • Septic Tank

Listing and Financial Details

  • Tax Lot 93
  • Assessor Parcel Number 8501-18-1267

Community Details

Overview

  • Whisper Lake Poa
  • Sapphire Valley Master Association
  • Whisper Lake Subdivision
  • Community Lake

Amenities

  • Community Barbecue Grill
  • Sauna
  • Meeting Room
  • Laundry Facilities

Recreation

  • Boat Dock
  • Golf Course Community
  • Tennis Courts
  • Outdoor Game Court
  • Recreation Facilities
  • Fitness Center
  • Community Indoor Pool
  • Community Spa
  • Ski Accessible

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,457

Year Built

Built in 2004

Lot Details

0

HOA Fees

$161 per month

Listing Details

  • Property Sub Type: Single Family Residence
  • Prop. Type: Residential
  • Lot Size Acres: 0.91
  • Road Surface Type: Asphalt
  • Subdivision Name: Whisper Lake
  • Directions: From the Cashiers crossroads, take Highway 64 East toward Sapphire; turn right on Sapphire Post Office Road into Whisper Lake; turn right on Upper Whitewater Road; turn right on Sunset Court; home is at the end of the road - continue off asphalt thru the posts, into the gravel driveway.
  • Architectural Style: Cabin
  • Carport Y N: No
  • Garage Yn: No
  • New Construction: No
  • Year Built: 2004
  • PropertySubTypeAdditional: Single Family Residence
  • Special Features: None

Interior Features

  • Furnished: Partially
  • Appliances: Built-In Electric Oven, Dishwasher, Electric Cooktop, Electric Water Heater, Disposal, Microwave, Refrigerator, Stainless Steel Appliance(s)
  • Other Equipment: Satellite Dish
  • Has Basement: Interior Entry, Partially Finished, Storage Space
  • Basement YN: Yes
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 3
  • Fireplace Features: Living Room, Wood Burning
  • Fireplaces: 1
  • Fireplace: Yes
  • Flooring: Carpet, Tile, Wood
  • Interior Amenities: Ceiling Fan(s), Chandelier, Cathedral Ceiling(s), Double Vanity, Eat-in Kitchen, High Ceilings, High Speed Internet, Pantry, Storage, Tile Counters

Exterior Features

  • Lot Features: Cul-De-Sac, Gentle Sloping, Native Plants, Private, Many Trees, Secluded, Wooded, Rolling Slope
  • Pool Features: Association
  • Topography: Rolling
  • View: Creek/Stream, Trees/Woods
  • View: Yes
  • Waterfront Features: None, Deeded Access
  • Waterfront: No
  • Construction Type: Block, Frame, Wood Siding
  • Exterior Features: Awning(s), Private Entrance, Private Yard, Satellite Dish
  • Foundation Details: Block
  • Patio And Porch Features: Awning(s), Covered, Deck, Side Porch
  • Roof: Shingle

Garage/Parking

  • Parking Features: Driveway, Gravel, Kitchen Level, No Garage, Outside, Private, Unpaved

Utilities

  • Laundry Features: Common Area, Washer Hookup, Dryer Hookup, ElectricDryer Hookup, Inside, Lower Level, Laundry Room
  • Cooling: Central Air, Ceiling Fan(s)
  • Cooling Y N: Yes
  • Heating: Heat Pump
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Utilities: Fiber Optic Available, Satellite Internet Available, Water Connected
  • Water Source: Community/Coop

Condo/Co-op/Association

  • Community Features: Dock, Fishing, Lake, Other, Water Access
  • Amenities: Beach Rights, Basketball Court, Boat Dock, Beach Access, Game Court Exterior, Fitness Center, Golf Course, Indoor Pool, Meeting Room, Barbecue, Other, Picnic Area, Playground, Pickleball, Park, Pool, Recreation Facilities, Ski Accessible, Sauna, Spa/Hot Tub, Tennis Court(s)
  • Association #2 Fee: 1125.0
  • Association #2 Fee Frequency: Annually
  • Association Fee: 800.0
  • Association Fee Frequency: Annually
  • Association: Sapphire Valley Master Association
  • Association Name: Whisper Lake POA
  • Association: Yes

Lot Info

  • Parcel #: 8501-18-1267
  • Zoning Description: Residential

Tax Info

  • Tax Annual Amount: 1457.0
  • Tax Lot: 93
  • Tax Year: 2024

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 15, 2025
Closed on
Sep 17, 2025
Sold by
Mahr Carolan J
Bought by
Howard Virginia Elizabeth
Seller's Agent
Dan Allen
Silver Creek Real Estate Group, Inc.
Buyer's Agent
Mitzi Rauers
Berkshire Hathaway HomeServices Meadows Mountain Realty
List Price
$675,000
Sold Price
$645,000
Premium/Discount to List
-$30,000
-4.44%
Views
25
Current Estimated Value
$654,446

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$9,446
Avg. Annual Appreciation
5.33%
Original Mortgage
$516,000
Outstanding Balance
$516,000
Interest Rate
6.63%
Mortgage Type
New Conventional
Estimated Equity
$138,446

Purchase Details

Closed on
Apr 6, 2010
Sold by
Fannie Mae
Bought by
Mahr Carolan J and Mahr Dennis

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$155,000
Interest Rate
4.99%
Mortgage Type
New Conventional

Purchase Details

Closed on
Nov 22, 2009
Sold by
Pesterfield Bronce and Pesterfield Lynne
Bought by
Federal National Mortgage Association

Purchase Details

Closed on
Apr 18, 2007
Sold by
Sunset Venture Partners Llc
Bought by
Pesterfield Bronce and Pesterfield Lynne

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$372,000
Interest Rate
6.1%
Mortgage Type
New Conventional

Purchase Details

Closed on
Apr 12, 2005
Sold by
White R Michael and White Marilyn J
Bought by
Sunset Venture Partners Llc
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $645,000 None Listed On Document
Special Warranty Deed -- --
Trustee Deed -- --
Warranty Deed -- --
Warranty Deed $235,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $516,000 New Conventional
Previous Owner $155,000 New Conventional
Previous Owner $372,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
09/18/2025 09/18/25 Sold $645,000 -4.4% --
08/29/2025 08/29/25 Pending -- -- --
07/15/2025 07/15/25 For Sale $675,000 -- --
Source: Highlands-Cashiers Board of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,251 $592,493 $45,710 $546,783
2024 $1,236 $325,200 $36,780 $288,420
2023 $1,456 $325,200 $36,780 $288,420
2022 $1,456 $325,200 $36,780 $288,420
2021 $1,363 $325,200 $36,780 $288,420
2020 $1,364 $317,330 $25,000 $292,330
2019 $1,364 $317,330 $25,000 $292,330
2018 $1,364 $317,330 $25,000 $292,330
2017 $1,332 $317,330 $25,000 $292,330
2015 $1,522 $317,330 $25,000 $292,330
2011 -- $482,400 $40,000 $442,400
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Highlands-Cashiers Board of REALTORS®

MLS Number: 1001287

APN: 8501-18-1267