25 Tree Top Ter, Murphy, NC 28906 Property Records

Cherokee County property record for 25 Tree Top Ter, Murphy, NC 28906 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 2000
Square Footage	1,119 sqft Heated Area
Lot Size	60,113 sqft (1.38 acres)
Occupancy	Owner Occupied
Last Sale	$225,000 (2019)
Tax Bill	$1,641.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`551103141950000`
Alternative APN	`51230`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,119 sqft Heated Area
Gross Area	3,653 sqft Gross Area
1st Floor	1,119 sqft 1st Floor
Basement Area	1,240 sqft Basement
Finished Basement	1,240 sqft Finished
Primary Flooring	Wood Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	60,113 sqft (1.38 acres)
Depth X Width	486 ft x 131 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Carport Garage
Garage Area	728 sqft Garage
Carport	Carport
Carport Area	728 sqft Carport
Deck Area	200 sqft Deck
Patio Area	183 sqft Patio

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	51230
Street Address	25 TREE TOP TER
City	MURPHY
State	NC
Zip	28906-8823
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 14 RICHARD BARNEY BEAVER RIDGE SUB 1558/582
Legal Subdivision	BEAVER RIDGE SUB
Legal Lot Number	14
Jurisdiction	CHEROKEE NC
Minor Civil Division	MURPHY
Census Blockgroup	2
Census Block	2013
Census Tract	930501

Owner

Source: Cherokee County records · APN 551103141950000

Assessment roll updated October 10, 2025 · Last verified June 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 File
Mailing Address	25 TREE TOP TER, MURPHY, NC 28906-8823
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Oct 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Dec 27, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Apr 13, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Prior Sale	Sep 01, 2002 · Amount on Record
Deed Doc Number	20196540
Deed Book / Page	1632 / 966
Prior Transfer Date	Mar 30, 2017
Prior Transfer Doc	01558/0582
Record Refreshed	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	May 21, 2026
Property Address	25 TREE TOP TER, MURPHY, NC 28906-8823
Document Number	0000002485
Book / Page	1801 / 1278
Instrument Date	May 01, 2026
Instrument	20262485
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002485,
Date	May 21, 2026
Book Page	1801/1278
Instrument	20262485

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 05, 2051

Interest

Rate	6.46%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	25 TREE TOP TER, MURPHY, NC 28906-8823
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1692/1030
Date	Oct 04, 2021
Book Page	1692/1030
Instrument	6656

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	25 TREE TOP TER, MURPHY, NC 28906-8823
Transaction Type	Mortgage
Record Updated	Apr 02, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 TREE TOP TER, MURPHY, NC 28906-8823

Mortgage

Document Number	1674/795
Date	Mar 10, 2021
Book Page	1674/795
Instrument	1584

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 27, 2019
Property Address	25 TREE TOP TER, MURPHY, NC 28906-8823
Document Number	01632/0966
Book / Page	01632 / 0966
Map Reference	CAB D SL 33
Instrument Date	Dec 20, 2019
Instrument	06540
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 TREE TOP TER, MURPHY, NC 28906-8823

Mortgage

Document Number	016320970
Date	Dec 27, 2019
Instrument	01632/0970

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Apr 13, 2017
Property Address	25 TREE TOP TER, MURPHY, NC 28906-8823
Document Number	01558/0582
Book / Page	01558 / 0582
Map Reference	CAB D SL 33
Instrument Date	Mar 30, 2017
Instrument	01591
Transaction Type	Transfer
Record Updated	Jun 06, 2023

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	156 MERCHANT CIR, ELLISVILLE, MS 39437-8710

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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	$1,641.00	$219,480 (-)	$219,480 (-) Land $45,000 Building $174,480
2023		$219,480	$219,480 Land $45,000 Building $174,480

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate 63rd percentile nationally · 85th in North Carolina
Wildfire Likelihood	About 1 in 459 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

25 Tree Top Ter, Murphy, NC 28906 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Tree Top Ter

Nearby Streets

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