Cherokee County property record for 218 Mountain Willow Ln, Murphy, NC 28906 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1999 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $9,500 (May 1998) |
| Tax Bill | $991 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Dec 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 447900849663000 |
| Primary APN | 447900849663000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,256 sqft Heated Area |
| Basement Area | 360 sqft |
| Finished Basement | 360 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,462 sqft (0.86 acres) |
| Lot Dimensions | 261 ft deep x 348 ft wide |
| Porch | Open Porch |
| Porch Area | 256 sqft |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 550056092397 |
|---|---|
| Street Address | 218 MOUNTAIN WILLOW LN |
| City | MURPHY |
| State | NC |
| Zip | 28906-6065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 28 POSEY PLACE 652/112 828/81 |
| Legal Lot Number | 28 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | NOTLA |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 930502 |
Source: Cherokee County records · APN 447900849663000
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 | 218 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Dec 06, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jul 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 01, 1998 · Amount on Record |
| Deed Sale | May 01, 1998 · Amount on Record |
| Deed Document Number | 0000652112 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 218 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6065 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001716/25 |
|---|---|
| Date | Jul 06, 2022 |
| Book Page | 1716/25 |
| Instrument | 4474 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | 28908 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 218 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6065 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 001698/284 |
|---|---|
| Date | Dec 06, 2021 |
| Book Page | 1698/284 |
| Instrument | 8146 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MURPHY, NC 28906 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 218 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6065 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 1685/361 |
|---|---|
| Date | Jul 07, 2021 |
| Book Page | 1685/361 |
| Instrument | 4514 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 218 MOUNTAIN WILLOW LN, MURPHY, NC 28906-6065 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 01625/0628 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 01625/0628 |
| Instrument | 04855 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 236 Months |
| Due | Jun 01, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
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 | $991.00 | $137,480 (-) | $137,480 (-) Land $15,000 Building $122,480 |
| 2023 | $137,480 | $137,480 Land $15,000 Building $122,480 |
Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 54% of the US · above 76% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 714 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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