305 Maggie Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 305 Maggie Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,736 sqft · built 1998
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Feb 2021)
Tax Bill	$1,419 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Aug 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`447900286961000`

Property Details

APN / Parcel Number

Primary APN	`447900286961000`
Alternative APN	`53974`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,736 sqft Heated Area
Gross Area	2,656 sqft
1st Floor Area	1,344 sqft
Upper Floors Area	392 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2008
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	264 ft deep x 187 ft wide
Porch	Slab
Porch Area	464 sqft
Deck Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	53974
Street Address	305 MAGGIE LN
City	MURPHY
State	NC
Zip	28906-3956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 THE PRESERVE ON NOTTELY RIVER 1637/374
Legal Subdivision	THE PRESERVE ON NOTTELY RIVER
Legal Lot Number	39
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1034
Census Tract	930604

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	305 MAGGIE LN, MURPHY, NC 28906-3956
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK
Aug 20, 2018	Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Feb 26, 2021	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Feb 27, 2020	Warranty Deed, Transfer
Jul 31, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Feb 27, 2020 · Amount on Record
Deed Document Number	20211292
Deed Book / Page	1673 / 849
Prior Transfer Date	Jul 31, 2018
Prior Transfer Doc	01592/0770
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	305 MAGGIE LN, MURPHY, NC 28906-3956
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 MAGGIE LN, MURPHY, NC 28906-3956

Mortgage

Document Number	001730/731
Date	Mar 3, 2023
Book Page	1730/731
Instrument	994

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BRYSON CITY, NC 28713

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 25, 2038

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	305 MAGGIE LN, MURPHY, NC 28906-3956
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01594/0060
Date	Aug 20, 2018
Book Page	01594/0060
Instrument	03990

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount Recorded

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 26, 2021
Property Address	305 MAGGIE LN, MURPHY, NC 28906-3956
Document Number	1673/849
Book / Page	1673 / 849
Map Reference	CAB C SL 72-C
Instrument Date	Jan 27, 2021
Instrument	1292
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$504.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 SUGAR PINE TRL, 90, MURPHY, NC 28906-0730

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4455 GRANT RD, GRANT, FL 32949-2120

Mortgage

Document Number	1673852
Date	Feb 26, 2021
Instrument	1673/852

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 27, 2020
Property Address	305 MAGGIE LN, MURPHY, NC 28906-3956
Document Number	1637/374
Book / Page	1637 / 374
Map Reference	CAB C SL 72-C
Instrument Date	Feb 26, 2020
Instrument	956
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2113 STERLING GREEN DR, 2113, MORRISVILLE, NC 27560-7964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 SUGAR PINE TRL, MURPHY, NC 28906-0730

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Jul 31, 2018
Property Address	305 MAGGIE LN, MURPHY, NC 28906-3956
Document Number	01592/0770
Book / Page	01592 / 0770
Map Reference	CAB C SL 72-C
Instrument Date	Jul 31, 2018
Instrument	03676
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 MAGGINE LANE, MURPHY, NC 28906-3956

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	$1,419.00	$203,160 (-)	$203,160 (-) Land $15,000 Building $188,160
2023		$203,160	$203,160 Land $15,000 Building $188,160

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 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

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 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

May also be available: Peachtree Broadband Fiber, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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