270 Oak Ridge Est, Murphy, NC 28906 Property Records

Cherokee County property record for 270 Oak Ridge Est, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1993
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on File
Last Sale	$151,000 (Sep 2020)
Tax Bill	$1,150 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`451000820262000`

Property Details

APN / Parcel Number

Primary APN	`451000820262000`
Alternative APN	`52888`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Heated Area
Gross Area	2,736 sqft
1st Floor Area	816 sqft
Upper Floors Area	336 sqft
Basement Area	408 sqft
Unfinished Basement	408 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	35,284 sqft (0.81 acres)
Lot Dimensions	191 ft deep x 776 ft wide
Terrain	Mountain
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft
Deck Area	792 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	52888
Street Address	270 OAK RIDGE EST
City	MURPHY
State	NC
Zip	28906-0930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 OAK RIDGE ESTATES 1511/316
Legal Subdivision	OAK RIDGE ESTATES
Legal Lot Number	3
Jurisdiction	CHEROKEE NC
Township / Civil Division	HOTHOUSE
Census Block Group	1
Census Block	1026
Census Tract	930605

Owner

270 Oak Ridge Est is owned and occupied by two individuals who bought it in September 2020.

Source: Cherokee County records, as of October 19, 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	2 Individual Names on File
Mailing Address	270 OAK RIDGE EST, MURPHY, NC 28906-0930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
Sep 30, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Prior Sale	Aug 1, 2002 · Amount on File
Deed Document Number	20205521
Deed Book / Page	1658 / 743
Prior Transfer Date	Feb 12, 2015
Prior Transfer Doc	01511/0316
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	270 OAK RIDGE EST, MURPHY, NC 28906-0930
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 OAK RIDGE EST, MURPHY, NC 28906-0930

Mortgage

Document Number	001754/816
Date	Apr 10, 2024
Book Page	1754/816
Instrument	1655

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	6101 CONDOR DR # 200, MOORPARK, CA 93021

Agreement

Amount	Amount on Record
Term	318 Months
Due	Oct 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 30, 2020
Property Address	270 OAK RIDGE EST, MURPHY, NC 28906-0930
Document Number	1658/743
Book / Page	1658 / 743
Map Reference	MB 678 PG 62
Instrument Date	Sep 19, 2020
Instrument	5521
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$302.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	468 OAK RIDGE EST, 468, MURPHY, NC 28906-7729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 OAK RIDGE EST, MURPHY, NC 28906-0930

Mortgage

Document Number	1658746
Date	Sep 30, 2020
Instrument	1658/746

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 270 Oak Ridge Est was $1,150.

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	$1,150.00	$152,220	$152,220 Land $28,000 Building $124,220
2023		$152,220	$152,220 Land $28,000 Building $124,220

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

Flood

FEMA maps place 270 Oak Ridge Est 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
Community Rating System	Class 10 (0% premium discount)
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 270 Oak Ridge Est is moderate, ranking above 54% 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 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1
Frontier DSL	10 / 1

Cell Coverage

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

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