195 Hoppy Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 195 Hoppy Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,640 sqft · built 2005
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Aug 2022)
Tax Bill	$1,887 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`459003126261000`

Property Details

APN / Parcel Number

Primary APN	`459003126261000`
Alternative APNs	`52250` `58184`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,640 sqft Heated Area
Gross Area	4,148 sqft
1st Floor Area	1,172 sqft
Upper Floors Area	468 sqft
Basement Area	1,144 sqft
Finished Basement	1,144 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	125 ft deep x 258 ft wide

Exterior Amenities

Porch	Patio
Porch Area	536 sqft
Deck Area	236 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	58184
Street Address	195 HOPPY TRL
City	MURPHY
State	NC
Zip	28906-4410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 HOPPSTADTER 1649/44
Legal Lot Number	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1055
Census Tract	930502

Owner

195 Hoppy Trl is owned by two individuals who bought it in August 2022.

Source: Cherokee County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	105 SELDEN WAY, FOUNTAIN INN, SC 29644-8019
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit ALASKA USA FCU
Aug 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 10, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on File
Deed Sale	Aug 10, 2022 · Amount on File
Prior Sale	Jul 10, 2020 · Amount on File
Deed Document Number	20225215
Deed Book / Page	1718 / 452
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	195 HOPPY TRL, MURPHY, NC 28906-4410
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SELDEN WAY, FOUNTAIN INN, SC 29644-8019

Mortgage

Document Number	001718/476
Date	Aug 10, 2022
Book Page	1718/476
Instrument	5217

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78269

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	195 HOPPY TRL, MURPHY, NC 28906-4410
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001718/455
Date	Aug 10, 2022
Book Page	1718/455
Instrument	5216

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 10, 2020
Property Address	195 HOPPY TRL, MURPHY, NC 28906-4410
Document Number	1649/44
Book / Page	1649 / 44
Instrument Date	Mar 23, 2020
Instrument	3464
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Tax	$549.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	195 HOPPY TRL, 195, MURPHY, NC 28906-4410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 TURTLE CREEK CIR, OLDSMAR, FL 34677-1914

Tax Assessment & Valuation

The 2025 property tax bill for 195 Hoppy Trl was $1,887.

Source: Cherokee County assessment roll, as of October 10, 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	$1,887.00	$279,940	$279,940 Land $8,780 Building $271,160
2023		$279,940	$279,940 Land $8,780 Building $271,160

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

Flood

FEMA maps place 195 Hoppy Trl 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	7 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

Wildfire risk around 195 Hoppy Trl is moderate, ranking above 67% 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 67% of the US · above 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hoppy Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures