2445 Hanging Dog Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 2445 Hanging Dog Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,092 sqft · built 2021
Lot Size	3.61 acres (157,252 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Aug 2026)
Tax Bill	$1,064 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`459400240019000`

Property Details

APN / Parcel Number

Primary APN	`459400240019000`
Alternative APN	`50043`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,092 sqft Heated Area
Gross Area	1,800 sqft
1st Floor Area	1,092 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	157,252 sqft (3.61 acres)
Lot Dimensions	453 ft deep x 518 ft wide
Garage Type	Carport
Garage Area	414 sqft
Carport	Carport
Carport Area	414 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	294 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	50043
Street Address	2445 HANGING DOG RD
City	MURPHY
State	NC
Zip	28906-7469
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	P/O ABEL E PALMER HOME TRACT 563/144
Legal Subdivision	ABEL E PALMER HOME TRACT
Legal Tract	563/144
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1026
Census Tract	930300

Owner

Source: Cherokee County records, as of August 28, 2026

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	2445 HANGING DOG RD, MURPHY, NC 28906-7469
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
May 23, 2022	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY
Jul 22, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on Record
Deed Sale	Aug 17, 2026 · Amount on Record
Prior Sale	Jul 22, 2021 · Amount on Record
Deed Document Number	20264196
Deed Book / Page	1807 / 1235
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 17, 2026
Property Address	2445 HANGING DOG RD, MURPHY, NC 28906-7469
Document Number	0000004196
Book / Page	1807 / 1235
Instrument Date	Aug 12, 2026
Instrument	20264196
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 HANGING DOG RD, MURPHY, NC 28906-7469

Mortgage

Document Number	0000004197,
Date	Aug 17, 2026
Instrument	20264197

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	2445 HANGING DOG RD, MURPHY, NC 28906-7469
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 HANGING DOG RD, MURPHY, NC 28906-7469

Mortgage

Document Number	001712/906
Date	May 23, 2022
Book Page	1712/906
Instrument	3409

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	2445 HANGING DOG RD, MURPHY, NC 28906-7469
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001691/567
Date	Sep 20, 2021
Book Page	1691/567
Instrument	6292

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.99%
Index	1-Year CMT
Max Rate	8.99%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 22, 2021
Property Address	2445 HANGING DOG RD, MURPHY, NC 28906-7469
Document Number	001686/532
Book / Page	1686 / 532
Instrument Date	Jul 13, 2021
Instrument	4851
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount Recorded
Tax	$84.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3806 BALL GROUND RD, 3806, BALL GROUND, GA 30107-4363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 BELL HILL RD, MURPHY, NC 28906-7324

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	$1,064.00	$146,410 (+5.67%)	$146,410 (+5.67%) Land $23,050 Building $123,360
2023		$138,560	$138,560 Land $23,050 Building $115,510

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

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 69% of the US · above 91% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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