Cherokee County property record for 190 Windy Ridge Ln, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,324 sqft · built 2015 |
| Lot Size | 4.59 acres (200,376 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,634 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 458004519183000 |
| Primary APN | 458004519183000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,324 sqft Heated Area |
| Basement Area | 1,468 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Wood Shingle |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 200,376 sqft (4.59 acres) |
| Lot Dimensions | 378 ft deep x 491 ft wide |
| Terrain | Mountain |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 384 sqft |
| Deck Area | 600 sqft |
| Patio Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 16096 |
|---|---|
| Street Address | 190 WINDY RIDGE LN |
| City | MURPHY |
| State | NC |
| Zip | 28906-1139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 38 SEC B MARY KING MOUNTAIN |
| Legal Tract | 38 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | NOTLA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 930502 |
190 Windy Ridge Ln is owned and occupied by an individual who acquired it in February 2005.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 190 WINDY RIDGE LN, MURPHY, NC 28906-1139 |
| 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 21, 2005 |
| Deed Sale | Feb 21, 2005 |
| Deed Document Number | 2005-0043196 |
| Deed Book / Page | 1142 / 0835 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 190 WINDY RIDGE LN, MURPHY, NC 28906-1139 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 190 WINDY RIDGE LN, MURPHY, NC 28906-1139 |
| Document Number | 01795/1342 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 1795/1342 |
| Instrument | 824 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2041 |
The 2025 property tax bill for 190 Windy Ridge Ln was $1,634.
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 | $1,634.00 | $235,140 | $235,140 Land $20,000 Building $215,140 |
| 2023 | $214,340 | $214,340 Land $20,000 Building $194,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 Windy Ridge Ln 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 | 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 risk around 190 Windy Ridge Ln 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 Risk | Moderate above 61% of the US · above 84% 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.
Source: FCC Broadband Data Collection, based on 38 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 only, no 5G reported
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