11920 Hwy 294, Murphy, NC 28906 Property Records

Cherokee County property record for 11920 Hwy 294, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,260 sqft · built 2022
Lot Size	6.34 acres (276,170 sqft)
Owner	2 Individual Names on File
Last Sale	$43,000 (Apr 2021)
Tax Bill	$1,683 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`452400221931000`

Property Details

APN / Parcel Number

Primary APN	`452400221931000`
Alternative APN	`56482`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Heated Area
Gross Area	2,924 sqft
1st Floor Area	924 sqft
Upper Floors Area	336 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	276,170 sqft (6.34 acres)
Lot Dimensions	632 ft deep x 693 ft wide
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	300 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56482
Street Address	11920 HIGHWAY 294
City	MURPHY
State	NC
Zip	28906-8484
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 46 A L DENTON PROP 1679/705
Legal Subdivision	EDWIN & CARMEN ROSA
Legal Phase	1679
Legal Tract	46
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2026
Census Tract	930603

Owner

11920 Hwy 294, a rural home, is owned and occupied by two individuals who acquired it in December 2021.

Source: Cherokee County records, as of October 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	11920 HIGHWAY 294, MURPHY, NC 28906-8484
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY
Apr 30, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	Mar 1, 2004
Deed Document Number	20212881
Deed Book / Page	1679 / 705
Last Transfer Date	Dec 20, 2021
Transfer Doc	001700/882
Record Updated	Jun 8, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Dec 30, 2021
Property Address	11920 HIGHWAY 294, MURPHY, NC 28906-8484
Document Number	001700/882
Book / Page	1700 / 882
Instrument Date	Dec 20, 2021
Instrument	8782
Transaction Type	Transfer
Record Updated	Oct 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1849 DAFFODIL CT, XENIA, OH 45385-8810

Mortgage

Document Number	0001700886
Date	Dec 30, 2021
Instrument	1700/886

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.99%
Index	1-Year CMT
Max Rate	8.99%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 30, 2021
Property Address	11920 HIGHWAY 294, MURPHY, NC 28906-8484
Document Number	001679/705
Book / Page	1679 / 705
Instrument Date	Apr 28, 2021
Instrument	2881
Transaction Type	Transfer
Record Updated	Oct 16, 2023

Transaction

Amount	Amount on Record
Tax	$86.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85777 AVANT RD, YULEE, FL 32097-4874

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1849 DAFFODIL CT, XENIA, OH 45385-8810

Tax Assessment & Valuation

The 2025 property tax bill for 11920 Hwy 294 was $1,683.

Source: Cherokee County assessment roll, as of October 10, 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	$1,683.00	$226,730	$226,730 Land $19,020 Building $207,710
2023		$185,130	$185,130 Land $19,020 Building $166,110

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

Flood

FEMA maps place 11920 Hwy 294 in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 11920 Hwy 294 is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · above 86% of North Carolina
Wildfire Likelihood	0.2% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Peachtree Broadband Fiber.

Cell Coverage

No cell data coverage reported

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