1045 Hilltop Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 1045 Hilltop Rd, Murphy, NC 28906 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 884 sqft · built 2020
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Sep 2024)
Tax Bill	$1,019 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`457009075397000`

Property Details

APN / Parcel Number

Primary APN	`457009075397000`
Alternative APNs	`52754` `63743`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	884 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	184 ft deep x 127 ft wide
Porch	Open Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	63743
Street Address	1045 HILLTOP RD
City	MURPHY
State	NC
Zip	28906-2983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 HILLTOP VALLEY ESTATES 1764/1476
Legal Subdivision	VALLEY ESTATES
Legal Lot Number	8
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1038
Census Tract	930603

Owner

Source: Cherokee County records · APN 457009075397000

Assessment roll updated January 1, 2025 · Last verified October 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1045 HILLTOP RD, MURPHY, NC 28906-2983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2024	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 04, 2020	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 24, 2024 · Amount on Record
Deed Sale	Sep 24, 2024 · Amount on Record
Prior Sale	Sep 04, 2020 · Amount on Record
Deed Document Number	4852
Deed Book / Page	1765 / 64
Record Updated	Jun 08, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 24, 2024
Property Address	1045 HILLTOP RD, MURPHY, NC 28906-2983
Document Number	0001765/64
Book / Page	1765 / 64
Instrument Date	Sep 13, 2024
Instrument	4852
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3711 LELAND ST, CHEVY CHASE, MD 20815-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 HILLTOP RD, MURPHY, NC 28906-2983

Mortgage

Document Number	0000176569
Date	Sep 24, 2024
Instrument	1765/69

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2044

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 04, 2020
Property Address	1045 HILLTOP RD, MURPHY, NC 28906-2983
Document Number	001655/169
Book / Page	1655 / 169
Instrument Date	Aug 25, 2020
Instrument	4748
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 PANTHER TOP RD, MURPHY, NC 28906-7350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 SUMMER BREEZE DR, FORT VALLEY, GA 31030-5715

Mortgage

Document Number	0001655172
Date	Sep 04, 2020
Instrument	1655/172

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2035

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,019.00	$142,220 (+0.64%)	$142,220 (+0.64%) Land $12,000 Building $130,220
2023		$141,310	$141,310 Land $12,000 Building $129,310

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399306031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	About 1 in 719 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Blue Ridge Mountain Electric Membership	Fiber	1,000 / 1,000
CND Acquisition	Cable	500 / 30
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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