Cherokee County property record for 1580 Hwy 294, Murphy, NC 28906
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,704 sqft · built 1983 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $995 (2025) |
| Deeds & Mortgages | Feb 2018 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 455100837783000 |
| Primary APN | 455100837783000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,704 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 65,340 sqft (1.5 acres) |
| Lot Dimensions | 229 ft deep x 110 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Deck Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Oil |
| Account Number | 660050002210 |
|---|---|
| Street Address | 1580 HIGHWAY 294 |
| City | MURPHY |
| State | NC |
| Zip | 28906-7978 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PAYNE F6 2.1 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | SHOAL CREEK |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 930603 |
1580 Hwy 294, a rural home, is owned and occupied by an individual who acquired it in February 1976.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1580 HIGHWAY 294, MURPHY, NC 28906-7978 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 1976 |
| Deed Sale | Feb 1, 1976 |
| Deed Document Number | 0000035597 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 1580 HIGHWAY 294, MURPHY, NC 28906-7978 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 01581/0184 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 01581/0184 |
| Instrument | 00836 |
| Name | LIVE WELL FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23225 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.31% |
| Type Change Date | Mar 1, 2019 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
The 2025 property tax bill for 1580 Hwy 294 was $995.
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $995.00 | $138,600 | $138,600 Land $10,660 Building $127,940 |
| 2023 | $138,600 | $138,600 Land $10,660 Building $127,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1580 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 risk around 1580 Hwy 294 is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 86% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 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 |
4G LTE (outdoors only), no 5G reported
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