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185 Poorman's Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 185 Poorman's Trl, Murphy, NC 28906

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,148 sqft · built 1992
Lot Size0.49 acres (21,344 sqft)
Owner2 Individual Names on File
Last Sale$195,000 (Nov 2020)
Tax Bill$1,060 (2025)
Deeds & MortgagesAug 2021 Mortgage
Nov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN551103203474000

Property Details

APN / Parcel Number

Primary APN551103203474000
Alternative APN
  • 53301

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,148 sqft Heated Area
Gross Area2,852 sqft
1st Floor Area1,148 sqft
Basement Area588 sqft
Finished Basement588 sqft
FlooringWood
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleRanch
Exterior MaterialWood Siding
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area21,344 sqft (0.49 acres)
Lot Dimensions109 ft deep x 200 ft wide
Garage Area560 sqft
Parking Spaces2 Parking Spaces
Deck Area556 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number53301
Street Address185 POORMANS TRL
CityMURPHY
StateNC
Zip28906-6915
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 29 RIVER RIDGE 1453/777
Legal SubdivisionRIVER RIDGE
Legal Lot Number29
JurisdictionCHEROKEE NC
Township / Civil DivisionMURPHY
Census Block Group2
Census Block2013
Census Tract930501

Owner

185 Poorman's Trl is owned and occupied by two individuals who acquired it in June 2025.

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

Owner of Record2 Individual Names on File
Mailing Address185 POORMANS TRL, MURPHY, NC 28906-6915
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Aug 6, 2021Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Nov 19, 2020Warranty Deed, Transfer · VA Mortgage
CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 19, 2020 · Amount on File
Deed SaleNov 19, 2020 · Amount on File
Prior SaleDec 1, 2012
Deed Document Number20207093
Deed Book / Page1665 / 235
Last Transfer DateJun 12, 2025
Transfer Doc0001780/54
Record UpdatedJun 8, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE NC
Property Address185 POORMANS TRL, MURPHY, NC 28906-6915
Transaction TypeMortgage
Record UpdatedAug 20, 2021
Title CompanyBESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1687/892
DateAug 6, 2021
Book Page1687/892
Instrument5203
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE NC
Recording DateNov 19, 2020
Property Address185 POORMANS TRL, MURPHY, NC 28906-6915
Document Number1665/235
Book / Page1665 / 235
Map ReferenceCAB A SL 82
Instrument DateNov 17, 2020
Instrument7093
Transaction TypeTransfer
Record UpdatedAug 13, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$390.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2020 N ATLANTIC AVE, 2020, COCOA BEACH, FL 32931-3347

Transferred To (Grantee/Buyer)

NameVerified Name
Address185 POORMANS TRL, MURPHY, NC 28906-6915

Mortgage

Document Number1665241
DateNov 19, 2020
Instrument1665/241
Lender
NameCENTRAL TRUST BANK
TypeBank
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 185 Poorman's Trl was $1,060.

Source: Cherokee County assessment roll, as of October 10, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCherokee County
Unified School DistrictCherokee County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,060.00$149,920$149,920 Land $15,000 Building $134,920
2023$149,920$149,920 Land $15,000 Building $134,920

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

Flood

FEMA maps place 185 Poorman's Trl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective February 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims6 (2020–2025)
Most Recent ClaimApr 2025 · rainfall accumulation
Claims by Event
  • Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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 185 Poorman's Trl is moderate, ranking above 61% 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 RiskModerate
above 61% of the US · above 83% of North Carolina
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 67 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Peachtree Broadband Fiber
Cable		500 / 30
Verizon
Fixed Wireless		300 / 20

May also be available: Blue Ridge Mountain EMC.

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