228 Goldfinch Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 228 Goldfinch Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,704 sqft · built 2004
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$349,000 (Feb 2026)
Tax Bill	$1,355 (2025)
Deeds & Mortgages	Oct 2012 Mortgage Jan 2010 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`455002798683000`

Property Details

APN / Parcel Number

Primary APN	`455002798683000`
Alternative APN	`54605`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,704 sqft Heated Area
Gross Area	2,537 sqft
1st Floor Area	1,704 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	357 ft deep x 63 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	105 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54605
Street Address	228 GOLDFINCH LN
City	MURPHY
State	NC
Zip	28906-7363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 50-A COUNTRY MTN RIDGE 1600/310
Legal Subdivision	COUNTRY MOUTAIN RIDGE SUBDIVISION
Legal Lot Number	50-A
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1000
Census Tract	930606

Owner

Source: Cherokee County records, as of April 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2012	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 20, 2010	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO
Feb 20, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 20, 2021	Warranty Deed, Transfer
Nov 13, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	2026828
Deed Book / Page	1795 / 1374
Record Updated	Jun 8, 2026

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01449/0009
Date	Oct 10, 2012
Book Page	1449/0009
Instrument	05005

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2042

Interest

Rate Type	Fixed Rate
Rate	4.25%
Change Frequency	2 Years
Min Rate At Change	4.25%
Index	1-Year CMT
Margin	6
Max Rate	8.25%

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01377/0366
Date	Jan 20, 2010
Book Page	1377/0366
Instrument	2010-0000250

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2040

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 20, 2026
Property Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363
Document Number	01795/1374
Book / Page	1795 / 1374
Instrument Date	Jan 9, 2026
Instrument	828
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$698.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 VALLE RIDGE RD, MURPHY, NC 28906-7897

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363

Mortgage

Document Number	0017951376
Date	Feb 20, 2026
Instrument	1795/1376

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 20, 2021
Property Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363
Document Number	1681/431
Book / Page	1681 / 431
Instrument Date	May 4, 2021
Instrument	3368
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount Recorded
Tax	$496.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	750 LAKE OVERLOOK DR, 750, CANTON, GA 30114-8984

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 13, 2018
Property Address	228 GOLDFINCH LN, MURPHY, NC 28906-7363
Document Number	01600/0310
Book / Page	01600 / 0310
Instrument Date	Nov 2, 2018
Instrument	05461
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 GOLDFINCH LN, 228, MURPHY, NC 28906-7363

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	228 GOLD FINCH LN, MURPHY, NC 28906-7363

Mortgage

Document Number	05462
Date	Nov 13, 2018
Instrument	05462

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

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	$1,355.00	$190,520 (-)	$190,520 (-) Land $18,000 Building $172,520
2023		$190,520	$190,520 Land $18,000 Building $172,520

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

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
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

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

Wildfire Risk	Moderate above 59% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Goldfinch Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures