1350 Oak Grove Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 1350 Oak Grove Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 728 sqft · built 2003
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Oct 2022)
Tax Bill	$1,064 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`456100087297000`

Property Details

APN / Parcel Number

Primary APN	`456100087297000`
Alternative APNs	`45397` `58680`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	728 sqft Heated Area
Basement Area	728 sqft
Finished Basement	728 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Lot Dimensions	665 ft deep x 415 ft wide
Porch	Open Porch
Porch Area	258 sqft
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	58680
Street Address	1350 OAK GROVE RD
City	MURPHY
State	NC
Zip	28906-8572
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 1 BISSETTE PROP 1557/1066
Legal Phase	1557
Legal Tract	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1013
Census Tract	930603

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	2 Individual Names on Record
Co-owner	2 Co-owners on Record
Mailing Address	10845 WATERMAN RD, IONE, CA 95640-9721
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Apr 5, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES' CREDIT UNION

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	6550
Deed Book / Page	1722 / 732
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 12, 2022
Property Address	1350 OAK GROVE RD, MURPHY, NC 28906-8572
Document Number	001722/732
Book / Page	1722 / 732
Instrument Date	Oct 12, 2022
Instrument	6550
Transaction Type	Transfer
Record Updated	Nov 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	334 NANTAHALA DAM RD, 334, TOPTON, NC 28781-9336

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10845 WATERMAN RD, IONE, CA 95640-9721

Mortgage

Document Number	0001722734
Date	Oct 12, 2022
Instrument	1722/734

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 5, 2017
Property Address	1350 OAK GROVE RD, MURPHY, NC 28906-8572
Document Number	01557/1066
Book / Page	01557 / 1066
Instrument Date	Mar 16, 2017
Instrument	01453
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6986 HAMMOCK LAKES DR, 6986, MELBOURNE, FL 32940-7950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1350 OAK GROVE RD, MURPHY, NC 28906-8572

Mortgage

Document Number	01454
Date	Apr 5, 2017
Instrument	01454

Lender

Name	STATE EMPLOYEES' CREDIT UNION
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 5, 2022
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

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	$1,064.00	$149,140 (-)	$149,140 (-) Land $33,750 Building $115,390
2023		$149,140	$149,140 Land $33,750 Building $115,390

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

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	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

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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