1045 Tarheel W Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 1045 Tarheel W Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,469 sqft · built 2005
Lot Size	1.48 acres (64,469 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (May 2019)
Tax Bill	$1,005 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`458219603801000`

Property Details

APN / Parcel Number

Primary APN	`458219603801000`
Alternative APN	`49776`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,469 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)
Lot Dimensions	370 ft deep x 164 ft wide
Terrain	Mountain
Porch	Open Porch
Porch Area	819 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	49776
Street Address	1045 TARHEEL WEST DR
City	MURPHY
State	NC
Zip	28906-7122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 102-D TARHEEL WEST PH II 1278/695
Legal Phase	2
Legal Lot Number	102-D
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	3
Census Block	3002
Census Tract	930502

Owner

1045 Tarheel W Dr is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1045 TARHEEL WEST DR, MURPHY, NC 28906-7122
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 13, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 14, 2019	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on File
Deed Sale	May 14, 2019 · Amount on File
Prior Sale	Mar 30, 2007 · Amount on File
Deed Document Number	02092
Deed Book / Page	01613 / 0445
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1045 TARHEEL WEST DR, MURPHY, NC 28906-7122
Transaction Type	Mortgage
Record Updated	Mar 22, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001751/284
Date	Feb 15, 2024
Book Page	1751/284
Instrument	684

Lender

Name	DISCOVER BANK
Type	Bank
Address	502 E MARKET ST, GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2054

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1045 TARHEEL WEST DR, MURPHY, NC 28906-7122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1641/86
Date	Apr 13, 2020
Book Page	1641/86
Instrument	1829

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1045 TARHEEL WEST DR, MURPHY, NC 28906-7122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMMONWEALTH USA SETMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1669/650
Date	Jan 12, 2021
Book Page	1669/650
Instrument	214

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 14, 2019
Property Address	1045 TARHEEL WEST DR, MURPHY, NC 28906-7122
Document Number	01613/0445
Book / Page	01613 / 0445
Map Reference	CAB H SL 711
Instrument Date	May 3, 2019
Instrument	02092
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2525, CULLOWHEE, NC 28723-2525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 TARHEEL WEST DR, MURPHY, NC 28906-7122

Mortgage

Document Number	02093
Date	May 14, 2019
Instrument	02093

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1045 Tarheel W Dr was $1,005.

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	$1,005.00	$174,810	$174,810 Land $22,000 Building $152,810
2023		$174,810	$174,810 Land $22,000 Building $152,810

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

Flood

FEMA maps place 1045 Tarheel W Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1045 Tarheel W Dr is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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)
Peachtree Broadband Fiber Cable	500 / 30
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tarheel W Dr

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