1020 Boulder Creek Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 1020 Boulder Creek Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,248 sqft · built 2007
Lot Size	1.13 acres (49,223 sqft)
Owner	Individual Name on Record
Last Sale	$203,000 (Dec 2018)
Tax Bill	$1,206 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`458000252461000`

Property Details

APN / Parcel Number

Primary APN	`458000252461000`
Alternative APN	`49045`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	49,223 sqft (1.13 acres)
Terrain	Mountain
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	49045
Street Address	1020 BOULDER CREEK RD
City	MURPHY
State	NC
Zip	28906-9351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 210 BOULDER CREEK 1288/800
Legal Lot Number	210
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1060
Census Tract	930502

Owner

Source: Cherokee County records, as of October 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1020 BOULDER CREEK RD, MURPHY, NC 28906-9351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK
Oct 7, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP
Sep 27, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP
Dec 17, 2018	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Jun 21, 2007 · Amount on Record
Deed Document Number	06090
Deed Book / Page	01603 / 0404
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Aug 31, 2026
Property Address	1020 BOULDER CREEK RD, MURPHY, NC 28906-9351
Document Number	0000004487
Book / Page	1808 / 1242
Instrument Date	Aug 26, 2026
Instrument	20264487
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 BOULDER CREEK RD, MURPHY, NC 28906-9351

Mortgage

Document Number	0000004487,
Date	Aug 31, 2026
Book Page	1808/1242
Instrument	20264487

Lender

Name	UNITED TRUST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1020 BOULDER CREEK RD, MURPHY, NC 28906-9351
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1659/363
Date	Oct 7, 2020
Book Page	1659/363
Instrument	5693

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1020 BOULDER CREEK RD, MURPHY, NC 28906-9351
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01624/0644
Date	Sep 27, 2019
Book Page	01624/0644
Instrument	04625

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 17, 2018
Property Address	1020 BOULDER CREEK RD, MURPHY, NC 28906-9351
Document Number	01603/0404
Book / Page	01603 / 0404
Map Reference	CAB E SL 109
Instrument Date	Dec 11, 2018
Instrument	06090
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 CARIBOU WAY, 609, EULESS, TX 76039-6064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 BOULDER CREEK RD, MURPHY, NC 28906-9351

Mortgage

Document Number	06091
Date	Dec 17, 2018
Instrument	06091

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,206.00	$169,750 (-)	$169,750 (-) Land $15,000 Building $154,750
2023		$169,750	$169,750 Land $15,000 Building $154,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Peachtree Broadband Fiber, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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