20 Misty Ridge Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 20 Misty Ridge Ln, Murphy, NC 28906

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,350 sqft · built 1995
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Oct 2019)
Tax Bill	$452 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`551300414934000`

Property Details

APN / Parcel Number

Primary APN	`551300414934000`
Alternative APN	`50826`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,350 sqft Heated Area
Gross Area	1,606 sqft
1st Floor Area	1,350 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Lot Dimensions	90 ft deep x 289 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	256 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	50826
Street Address	20 MISTY RIDGE LN
City	MURPHY
State	NC
Zip	28906-3636
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 6 POSSUM TROT 1586/759 1610/856
Legal Subdivision	POSSUM TROT REED COFFEY PROPERTY
Legal Lot Number	6
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	3
Census Block	3018
Census Tract	930401

Owner

20 Misty Ridge Ln, a mobile home, is owned by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 290, MARBLE, NC 28905-0290
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
Dec 17, 2021	Deed of Trust, Mortgage · VA Mortgage HOMESTAR FINANCIAL CORP
Oct 24, 2019	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP
Apr 12, 2019	Special Warranty Deed, Transfer
May 9, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2019 · Amount on File
Deed Sale	Oct 24, 2019 · Amount on File
Prior Sale	Apr 12, 2019 · Amount on File
Deed Document Number	20195129
Deed Book / Page	1626 / 930
Prior Transfer Date	Apr 29, 2010
Prior Transfer Doc	01385/0033
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	20 MISTY RIDGE LN, MURPHY, NC 28906-3636
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001699/936
Date	Dec 17, 2021
Book Page	1699/936
Instrument	8537

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 24, 2019
Property Address	20 MISTY RIDGE LN, MURPHY, NC 28906-3636
Document Number	01626/0930
Book / Page	01626 / 0930
Map Reference	CAB 4 SL 857
Instrument Date	Oct 8, 2019
Instrument	05129
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1140 OLD MURPHY RD, 1140, MURPHY, NC 28906-5918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2271, ANDREWS, NC 28901-2271

Mortgage

Document Number	0000005130
Date	Oct 24, 2019
Instrument	05130

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 12, 2019
Property Address	20 MISTY RIDGE LN, MURPHY, NC 28906-3636
Document Number	01610/0856
Book / Page	01610 / 0856
Instrument Date	Mar 29, 2019
Instrument	01547
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Tax	$94.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 PENN ST, 601, READING, PA 19601-3544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MISTY RIDGE LN, MURPHY, NC 28906-3636

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 9, 2018
Property Address	20 MISTY RIDGE LN, MURPHY, NC 28906-3636
Document Number	01586/0759
Book / Page	01586 / 0759
Instrument Date	May 8, 2018
Instrument	02177
Transaction Type	Foreclosure
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Tax	$78.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 PENN ST, READING, PA 19601-3544

Tax Assessment & Valuation

The 2025 property tax bill for 20 Misty Ridge Ln was $452.

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	$452.00	$52,530	$52,530 Land $10,000 Building $42,530
2023		$42,130	$42,130 Land $10,000 Building $32,130

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20 Misty 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	6 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 20 Misty Ridge Ln is moderate, ranking above 58% 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 58% of the US · above 80% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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