257 Hill St, Murphy, NC 28906 Property Records

Cherokee County property record for 257 Hill St, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,957 sqft · built 1961
Lot Size	0.369 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Jan 2022)
Tax Bill	$1,754 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`459207770534000`

Property Details

APN / Parcel Number

Primary APN	`459207770534000`
Alternative APNs	`54612` `56515`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,957 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2005
Exterior Material	Combination
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	16,117 sqft (0.369 acres)
Lot Dimensions	143 ft deep x 130 ft wide
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	1,609 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56515
Street Address	257 HILL ST
City	MURPHY
State	NC
Zip	28906-3511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	P/O LOTS 12 & 13 L E MAUNEY DIV EAST 1681/533
Legal Lot Number	12-E
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2031
Census Tract	930402

Owner

257 Hill St is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	257 HILL ST, MURPHY, NC 28906-3511
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jul 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK
Jul 29, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 2022 · Amount on File
Deed Sale	Jan 1, 2022 · Amount on File
Prior Sale	Jul 29, 2019 · Amount on File
Deed Document Number	0000734141
Deed Book / Page	1681 / 533
Prior Transfer Date	May 20, 2021
Prior Transfer Doc	3385
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 20, 2021
Property Address	257 HILL ST, MURPHY, NC 28906-3511
Document Number	1681/533
Book / Page	1681 / 533
Instrument Date	Apr 21, 2021
Instrument	3385
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$571.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	465 HARSHAW PL, 465, MURPHY, NC 28906-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 HILL ST, MURPHY, NC 28906-3511

Mortgage

Document Number	1681535
Date	May 20, 2021
Instrument	1681/535

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	257 HILL ST, MURPHY, NC 28906-3511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01564/0654
Date	Jul 14, 2017
Book Page	01564/0654
Instrument	03054

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	28908

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 10, 2042

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	257 HILL ST, MURPHY, NC 28906-3511
Transaction Type	Mortgage
Record Updated	May 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1641/892
Date	Apr 20, 2020
Book Page	1641/892
Instrument	1965

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 29, 2019
Property Address	257 HILL ST, MURPHY, NC 28906-3511
Document Number	01619/0281
Book / Page	01619 / 0281
Instrument Date	Jun 28, 2019
Instrument	03409
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 579, MURPHY, NC 28906-0579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 HILL ST, MURPHY, NC 28906-3511

Mortgage

Document Number	016190284
Date	Jul 29, 2019
Instrument	01619/0284

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 257 Hill St was $1,754.

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,754.00	$273,650	$273,650 Land $24,000 Building $249,650
2023		$273,650	$273,650 Land $24,000 Building $249,650

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

Flood

FEMA maps place 257 Hill St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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

Wildfire risk around 257 Hill St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 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

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