2431 Bell Hill Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 2431 Bell Hill Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,686 sqft · built 2001
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,000 (Apr 2021)
Tax Bill	$1,649 (2025)
Deeds & Mortgages	May 2021 Transfer Nov 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`455100040050000`

Property Details

APN / Parcel Number

Primary APN	`455100040050000`
Alternative APN	`54535`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,686 sqft Heated Area
Gross Area	2,656 sqft
1st Floor Area	1,686 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	56,628 sqft (1.3 acres)
Lot Dimensions	330 ft deep x 347 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Deck Area	Deck Area
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	54535
Street Address	2431 BELL HILL RD
City	MURPHY
State	NC
Zip	28906-8931
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SULT & BELL PROP 1629/777 DOT R/W 1678/340
Legal Subdivision	BOUNDARY SURVEY FOR JAMES AND IRENE LOVE
Legal Phase	1629
Legal Lot Number	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2047
Census Tract	930606

Owner

Source: Cherokee County records, as of October 10, 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 Record
Mailing Address	2431 BELL HILL RD, MURPHY, NC 28906-8931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Government

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Intrafamily Transfer, Transfer
Nov 21, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Prior Sale	Nov 21, 2019 · Amount on Record
Deed Document Number	20212560
Deed Book / Page	1678 / 340
Last Transfer Date	Apr 20, 2021
Transfer Doc	1680/399
Record Updated	Sep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	May 10, 2021
Property Address	2431 BELL HILL RD, MURPHY, NC 28906-8931
Document Number	1680/399
Book / Page	1680 / 399
Instrument Date	Apr 20, 2021
Instrument	3099
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2431 BELL HILL RD, MURPHY, NC 28906-8931

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 21, 2019
Property Address	2431 BELL HILL RD, MURPHY, NC 28906-8931
Document Number	01629/0777
Book / Page	01629 / 0777
Instrument Date	Nov 6, 2019
Instrument	05750
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 BELL HILL TER, 435, MURPHY, NC 28906-8814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SHERRY DR, MURPHY, NC 28906-2119

Mortgage

Document Number	016290779
Date	Nov 21, 2019
Instrument	01629/0779

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$1,649.00	$238,140 (+0.93%)	$238,140 (+0.93%) Land $18,140 Building $220,000
2023		$235,940	$235,940 Land $18,140 Building $217,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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

Wildfire Risk	Moderate above 66% of the US · above 88% of North Carolina
Wildfire Likelihood	0.3% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
RiverStreet Networks Fixed Wireless	25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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