285 Poor House Mountain Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 285 Poor House Mountain Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,941 sqft · built 1995
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Oct 2014)
Tax Bill	$1,926 (2025)
Deeds & Mortgages	Mar 2022 Transfer Nov 2019 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550104749514000`

Property Details

APN / Parcel Number

Primary APN	`550104749514000`
Alternative APN	`40514`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,941 sqft Heated Area
Gross Area	3,730 sqft
1st Floor Area	981 sqft
Upper Floors Area	960 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	43,996 sqft (1.01 acres)
Lot Dimensions	333 ft deep x 137 ft wide
Terrain	Mountain
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	235 sqft
Deck Area	619 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	40514
Street Address	285 POOR HOUSE MOUNTAIN TRL
City	MURPHY
State	NC
Zip	28906-9362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60 CHEROKEE HILLS GOLF COURSE PROP 1184/529
Legal Subdivision	CHEROKEE HILLS GOLF COURSE
Legal Phase	1184
Legal Lot Number	60
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2024
Census Tract	930501

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	285 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-9362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE FARM BANK FSB
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2014 · Amount on Record
Deed Sale	Oct 30, 2014 · Amount on Record
Prior Sale	Sep 30, 2005 · Amount on Record
Deed Document Number	20144461
Deed Book / Page	1500 / 735
Last Transfer Date	Mar 15, 2022
Transfer Doc	001707/149
Record Updated	Sep 20, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 21, 2022
Property Address	285 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-9362
Document Number	001707/149
Book / Page	1707 / 149
Map Reference	MB 1500 PG 735
Instrument Date	Mar 15, 2021
Instrument	1816
Transaction Type	Transfer
Record Updated	Apr 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	285 POOR HOUSE MOUNTAIN TRL, 285, MURPHY, NC 28906-9362

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-7286

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	285 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-9362
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01630/0377
Date	Nov 27, 2019
Book Page	01630/0377
Instrument	05932

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 22, 2024

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	285 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-9362
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01629/0995
Date	Nov 22, 2019
Book Page	01629/0995
Instrument	05819

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

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	$1,926.00	$238,810 (-)	$238,810 (-) Land $18,000 Building $220,810
2023		$238,810	$238,810 Land $18,000 Building $220,810

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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 58% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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