21 Annie Jones Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 21 Annie Jones Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,688 sqft · built 2006
Lot Size	1.75 acres (76,230 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Oct 2020)
Tax Bill	$1,206 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`452200717765000`

Property Details

APN / Parcel Number

Primary APN	`452200717765000`
Alternative APN	`17217`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,688 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	76,230 sqft (1.75 acres)
Lot Width	269 ft Width
Porch	Open Porch
Porch Area	130 sqft
Deck Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	17217
Street Address	21 ANNIE JONES RD
City	MURPHY
State	NC
Zip	28906-1939
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FROM JONES 840/135 1161/376 A/73C
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2014
Census Tract	930606

Owner

21 Annie Jones Rd, a rural home, is owned and occupied by an individual who bought it in October 2020.

Source: Cherokee County records, as of October 9, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	21 ANNIE JONES RD, MURPHY, NC 28906-1939
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Closed-End Mortgage COMMONWEALTH CREDIT UNION
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION
Oct 28, 2020	Warranty Deed, Transfer · Line of Credit COMMONWEALTH CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Deed Document Number	6282
Deed Book / Page	1662 / 292
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	21 ANNIE JONES RD, MURPHY, NC 28906-1939
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 ANNIE JONES RD, MURPHY, NC 28906-1939

Mortgage

Document Number	001794/947
Date	Jan 30, 2026
Book Page	1794/947
Instrument	476

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	4511 HIGHWAY 411, MADISONVILLE, TN 37354

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 13, 2041

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	21 ANNIE JONES RD, MURPHY, NC 28906-1939
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001648/134
Date	Jun 29, 2020
Book Page	1648/134
Instrument	3257

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	MADISONVILLE, TN 37354

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 15, 2035

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 28, 2020
Property Address	21 ANNIE JONES RD, MURPHY, NC 28906-1939
Document Number	001662/292
Book / Page	1662 / 292
Instrument Date	Sep 28, 2020
Instrument	6282
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1620 SUNNY POINT RD, MURPHY, NC 28906-7392

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 ANNIE JONES RD, MURPHY, NC 28906-1939

Mortgage

Document Number	0001662295
Date	Oct 28, 2020
Instrument	1662/295

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 21 Annie Jones Rd was $1,206.

Source: Cherokee County assessment roll, as of January 1, 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	$1,206.00	$159,080	$159,080 Land $12,430 Building $146,650
2023		$159,080 (-)	$159,080 (-) Land $12,430 Building $146,650
2022	$1,147.00	$159,080	$159,080 Land $12,430 Building $146,650

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

Flood

FEMA maps place 21 Annie Jones Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 21 Annie Jones Rd is moderate, ranking above 60% 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 60% of the US · above 82% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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