220 Pin Oak Rdg, Murphy, NC 28906 Property Records

Cherokee County property record for 220 Pin Oak Rdg, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 2006
Lot Size	0.569 acres (24,829 sqft)
Owner	Individual Name on Record
Last Sale	$462,000 (Sep 2023)
Tax Bill	$1,696 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551103028573000`

Property Details

APN / Parcel Number

Primary APN	`551103028573000`
Alternative APNs	`44823` `60939`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,604 sqft Heated Area
Upper Floors Area	476 sqft
Basement Area	756 sqft
Finished Basement	252 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	24,829 sqft (0.569 acres)
Lot Dimensions	208 ft deep x 47 ft wide
Terrain	Mountain
Garage Type	Carport
Carport	Carport
Carport Area	552 sqft
Parking Spaces	2 Parking Spaces
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	60939
Street Address	220 PIN OAK RDG
City	MURPHY
State	NC
Zip	28906-6947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 122 HIGHLAND CREEK PH III 1550/96
Legal Subdivision	HIGHLAND CREEK
Legal Phase	3
Legal Lot Number	122
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2016
Census Tract	930501

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3634 PERRYMAN RD, OCEAN SPRINGS, MS 39564-1046
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Sep 1, 2023	Warranty Deed, Transfer
Aug 13, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Prior Sale	Dec 2, 2016 · Amount on Record
Deed Document Number	0001219210
Deed Book / Page	1219 / 210
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	220 PIN OAK RDG, MURPHY, NC 28906-6947
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 PIN OAK RDG, MURPHY, NC 28906-6947

Mortgage

Document Number	001738/827
Date	Jul 17, 2023
Book Page	1738/827
Instrument	3439

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 22, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 1, 2023
Property Address	220 PIN OAK RDG, MURPHY, NC 28906-6947
Document Number	001741/964
Book / Page	1741 / 964
Instrument Date	Jun 30, 2023
Instrument	4341
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
Tax	$924.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 PIN OAK RDG, MURPHY, NC 28906-6947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3634 PERRYMAN RD, OCEAN SPRINGS, MS 39564-1046

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	220 PIN OAK RDG, MURPHY, NC 28906-6947
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28220 PIN OAK RIDGE, MURPHY, NC 28906

Mortgage

Document Number	1688/300
Date	Aug 13, 2021
Book Page	1688/300
Instrument	5368

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 27, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,696.00	$227,280 (-)	$227,280 (-) Land $30,000 Building $197,280
2023		$227,280 (+3.34%)	$227,280 (+3.34%) Land $30,000 Building $197,280
2022		$219,930	$219,930 Land $30,000 Building $189,930

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

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · above 83% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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