312 Mountain Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 312 Mountain Dr, Murphy, NC 28906

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.59 acres (69,260 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (Apr 2026)
Tax Bill	$70 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550103400897000`

Property Details

APN / Parcel Number

Primary APN	`550103400897000`
Alternative APNs	`23289` `63943`

Exterior

Lot Area	69,260 sqft (1.59 acres)
Lot Dimensions	229 ft deep x 480 ft wide

Location & Zoning

Account Number	63943
Street Address	312 MOUNTAIN DR
City	MURPHY
State	NC
Zip	28906-9043
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 7 TRS 20-2 & 20-3 BOURNE SUB 1265/418
Legal Subdivision	BOURNE SUB
Legal Tract	20
Legal Lot Number	7
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2024
Census Tract	930501

Owner

312 Mountain Dr, residential vacant land, is owned by two individuals who bought it in April 2026.

Source: Cherokee County records, as of April 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1740 PARRISH GROVE RD, DADE CITY, FL 33523
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Oct 29, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on File
Deed Sale	Apr 8, 2026 · Amount on File
Prior Sale	Oct 29, 2024 · Amount on File
Deed Document Number	20261647
Deed Book / Page	1798 / 1448
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 8, 2026
Property Address	312 MOUNTAIN DR, MURPHY, NC 28906-9043
Document Number	01798/1448
Book / Page	1798 / 1448
Instrument Date	Apr 8, 2026
Instrument	20261647
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67,468.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001648,
Date	Apr 8, 2026
Instrument	20261648

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 8, 2026
Property Address	312 MOUNTAIN DR, MURPHY, NC 28906-9043
Document Number	0000001647
Book / Page	1798 / 1448
Instrument Date	Apr 8, 2026
Instrument	20261647
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67,468.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001648,
Date	Apr 8, 2026
Instrument	20261648

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 29, 2024
Property Address	312 MOUNTAIN DR, MURPHY, NC 28906-9043
Document Number	001767/406
Book / Page	1767 / 406
Instrument Date	Sep 26, 2024
Instrument	5421
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount on Record
Tax	$64.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	132 BEECHWOOD ACRES DR, MURPHY, NC 28906-5173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 HARRIS CHAPEL RD, MURPHY, NC 28906-4228

Tax Assessment & Valuation

The 2025 property tax bill for 312 Mountain Dr was $70.

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	$70.00	$11,000	$11,000 Land $11,000
2023		$11,000	$11,000 Land $11,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 312 Mountain Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2020.

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 File 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

Wildfire risk around 312 Mountain Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · above 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mountain Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures