119 Mountain Willow Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 119 Mountain Willow Ln, Murphy, NC 28906 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 936 sqft · built 1987
Lot Size	1.89 acres (82,328 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Dec 2018)
Tax Bill	$1,099 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`447900953262000`

Property Details

APN / Parcel Number

Primary APN	`447900953262000`
Alternative APN	`49031`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	936 sqft Heated Area
Basement Area	936 sqft
Finished Basement	936 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	82,328 sqft (1.89 acres)
Lot Dimensions	405 ft deep x 30 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	416 sqft
Deck Area	160 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	49031
Street Address	119 MOUNTAIN WILLOW LN
City	MURPHY
State	NC
Zip	28906-6063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FR TOTHEROW 1554/828
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2031
Census Tract	930502

Owner

Source: Cherokee County records · APN 447900953262000

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
Mailing Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Oct 08, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Oct 08, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Dec 14, 2018	Warranty Deed, Transfer · FHA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Feb 13, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Sep 27, 2016	Trustee's Deed, Foreclosure DANNY GARLAND

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 2018 · Amount on Record
Deed Sale	Dec 14, 2018 · Amount on Record
Prior Sale	Feb 13, 2017 · Amount on Record
Deed Document Number	06027
Deed Book / Page	01603 / 0060
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063

Mortgage

Document Number	001691/813
Date	Sep 21, 2021
Book Page	1691/813
Instrument	6332

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063

Mortgage

Document Number	001659/558
Date	Oct 08, 2020
Book Page	1659/558
Instrument	5729

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jan 01, 2049

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Transaction Type	Mortgage
Record Updated	Oct 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063

Mortgage

Document Number	1691/813
Date	Sep 21, 2021
Book Page	1691/813
Instrument	6332

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063

Mortgage

Document Number	1659/558
Date	Oct 08, 2020
Book Page	1659/558
Instrument	5729

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jan 01, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 14, 2018
Property Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Document Number	01603/0060
Book / Page	01603 / 0060
Instrument Date	Dec 14, 2018
Instrument	06027
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1032 PLEASANT VALLEY RD, 1032, MURPHY, NC 28906-2607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063

Mortgage

Document Number	06028
Date	Dec 14, 2018
Instrument	06028

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 13, 2017
Property Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Document Number	01554/0828
Book / Page	01554 / 0828
Instrument Date	Feb 13, 2017
Instrument	00625
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5510 E US 64 ALT, 5510, MURPHY, NC 28906-3758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063

Mortgage

Document Number	00626
Date	Feb 13, 2017
Instrument	00626

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2047

September 2016: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 27, 2016
Property Address	119 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6063
Document Number	01545/0098
Book / Page	01545 / 0098
Instrument Date	Sep 20, 2016
Instrument	04208
Transaction Type	Foreclosure
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5510 W US HIGHWAY 64, MURPHY, NC 28906-3758
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004209
Date	Sep 27, 2016
Instrument	04209

Lender

Name	DANNY GARLAND
Type	Seller

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2046

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,099.00	$154,010 (-)	$154,010 (-) Land $15,000 Building $139,010
2023		$154,010	$154,010 Land $15,000 Building $139,010

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 370399305022, 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	4 in force

Wildfire

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	About 1 in 676 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 58 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Blue Ridge Mountain Electric Membership	Fiber	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, CND Acquisition. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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