Cherokee County property record for 1945 Panther Top Rd, Murphy, NC 28906
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,454 sqft · built 2005 |
| Lot Size | 1.7 acres (74,052 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,629 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 456100762483000 |
| Primary APN | 456100762483000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,454 sqft Heated Area |
| Upper Floors Area | 480 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 74,052 sqft (1.7 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 230 sqft |
| Deck Area | 349 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 64170 |
|---|---|
| Street Address | 1945 PANTHER TOP RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-7906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | TR 1 POSEY-NEUMANN PROP 395/199 |
| Legal Phase | 395 |
| Legal Tract | 1 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | NOTLA |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 930603 |
Source: Cherokee County records, as of October 9, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5530 E US 64 ALT, MURPHY, NC 28906-3758 |
| Owner Type | Individual, Secondary Company |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust · Line of Credit UNITED COMMUNITY BANK |
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 4, 2024 |
| Transfer Doc | 001769/265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Apr 15, 2026 |
| Property Address | 1945 PANTHER TOP RD, MURPHY, NC 28906-7906 |
| Document Number | 0000001732 |
| Book / Page | 1799 / 316 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20261732 |
| Record Updated | Apr 24, 2026 |
| Title Company | LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Document Number | 0000001732, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 1799/316 |
| Instrument | 20261732 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 3, 2051 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Apr 15, 2026 |
| Property Address | 1945 PANTHER TOP RD, MURPHY, NC 28906-7906 |
| Document Number | 001799/316 |
| Book / Page | 1799 / 316 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20261732 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Document Number | 0000001732, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 1799/316 |
| Instrument | 20261732 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 3, 2051 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
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 | $1,629.00 | $235,070 (-) | $235,070 (-) Land $20,000 Building $215,070 |
| 2023 | $235,070 | $235,070 Land $20,000 Building $215,070 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 89% 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 3 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 |
| RiverStreet Networks Fixed Wireless | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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