1320 Chimney Top Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 1320 Chimney Top Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,456 sqft · built 2012
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on Record
Last Sale	$439,000 (May 2023)
Tax Bill	$2,217 (2025)
Deeds & Mortgages	May 2023 Sale Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`452200389845000`

Property Details

APN / Parcel Number

Primary APN	`452200389845000`
Alternative APNs	`52737` `60060`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,456 sqft Heated Area
Basement Area	988 sqft
Finished Basement	988 sqft
Flooring	Combination, Other
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2018
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)
Lot Dimensions	348 ft deep x 115 ft wide
Terrain	Mountain
Garage Type	Carport
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	908 sqft
Deck Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	60060
Street Address	1320 CHIMNEY TOP TRL
City	MURPHY
State	NC
Zip	28906-0630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 THE SUMMIT @ SHOAL CRK 1656/176
Legal Lot Number	42
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2009
Census Tract	930606

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
Co-owner	Co-owner on Record
Mailing Address	3851 ORCHARD WAY, VALDOSTA, GA 31605-5872
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Warranty Deed, Transfer
Jun 2, 2017	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Sep 14, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage VERACCOUNT LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	2023
Deed Book / Page	1155 / 9
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 12, 2023
Property Address	1320 CHIMNEY TOP TRL, MURPHY, NC 28906-0630
Document Number	00001155/9
Book / Page	1155 / 9
Instrument Date	May 8, 2023
Instrument	2023
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount Recorded
Tax	$878.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 E MAIN ST STE 130, 130, CHATTANOOGA, TN 37408-1323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 ORCHARD WAY, VALDOSTA, GA 31605-5872
Investor	Possibly a Property Investor

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1320 CHIMNEY TOP TRL, MURPHY, NC 28906-0630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01561/0813
Date	Jun 2, 2017
Book Page	01561/0813
Instrument	02347

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MC CAYSVILLE, GA 30555

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Apr 27, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 14, 2020
Property Address	1320 CHIMNEY TOP TRL, MURPHY, NC 28906-0630
Document Number	1656/176
Book / Page	1656 / 176
Instrument Date	Sep 2, 2020
Instrument	5001
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10483 HYANISTORT LOOP, 10483, SAN ANTONIO, FL 33576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E MAIN ST STE 130, 130, CHATTANOOGA, TN 37408-1323

Mortgage

Document Number	1656180
Date	Sep 14, 2020
Instrument	1656/180

Lender

Name	VERACCOUNT LP
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Feb 14, 2021

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	$2,217.00	$302,430 (-0.72%)	$302,430 (-0.72%) Land $25,000 Building $277,430
2023		$304,630 (-)	$304,630 (-) Land $25,000 Building $279,630
2022		$304,630	$304,630 Land $25,000 Building $279,630

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	4 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 61% of the US · above 83% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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