20 N Windy Rdg, Murphy, NC 28906 Property Records

Cherokee County property record for 20 N Windy Rdg, Murphy, NC 28906 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,207 sqft · built 2022
Lot Size	2.16 acres (94,090 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Dec 2021)
Tax Bill	$2,855 (2025)
Deeds & Mortgages	Sep 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`444900822715000`

Property Details

APN / Parcel Number

Primary APN	`444900822715000`
Alternative APN	`56388`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,207 sqft Heated Area
Basement Area	1,982 sqft
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	94,090 sqft (2.16 acres)
Lot Width	360 ft Width
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	534 sqft
Deck Area	108 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56388
Street Address	20 N WINDY RDG
City	MURPHY
State	NC
Zip	28906-4158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 66 (REV) THE RIDGES AT MILL CREEK P/O 1546/955
Legal Lot Number	66
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2045
Census Tract	930605

Owner

Source: Cherokee County records · APN 444900822715000

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	20 WINDY RIDGE LN, MURPHY, NC 28906-8200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2021 · Amount on Record
Deed Sale	Dec 01, 2021 · Amount on Record
Deed Document Number	0001151407
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	20 WINDY RIDGE LN, MURPHY, NC 28906-8200
Transaction Type	Mortgage
Record Updated	Oct 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 OLD HIGHWAY 5, BLUE RIDGE, GA 30513-3159

Mortgage

Document Number	001721/354
Date	Sep 22, 2022
Book Page	1721/354
Instrument	6156

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLUE RIDGE, GA 30513

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 23, 2023

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,855.00	$395,760 (+194.46%)	$395,760 (+194.46%) Land $45,000 Building $350,760
2023		$134,400	$134,400 Land $45,000 Building $89,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399306052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 83% of North Carolina
Wildfire Likelihood	About 1 in 510 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Ellijay Telephone Company, Blue Ridge Mountain Electric Membership. Availability varies by address; speeds are provider-advertised maximums, not measured.