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

Cherokee County property record for 315 Poor House Mountain Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,732 sqft · built 1998
Lot Size	1.49 acres (64,904 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Nov 2020)
Tax Bill	$2,740 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550104748378000`

Property Details

APN / Parcel Number

Primary APN	`550104748378000`
Alternative APN	`53177`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,732 sqft Heated Area
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	64,904 sqft (1.49 acres)
Lot Dimensions	244 ft deep x 193 ft wide
Terrain	Mountain
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	252 sqft
Deck Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	53177
Street Address	315 POOR HOUSE MOUNTAIN TRL
City	MURPHY
State	NC
Zip	28906-7286
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 61 CHEROKEE HILLS GOLF COURSE PROP 1614/493
Legal Phase	1614
Legal Lot Number	61
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 9, 2025

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	315 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-7286
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
May 29, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020 · Amount on Record
Deed Sale	Nov 3, 2020 · Amount on Record
Prior Sale	May 29, 2019 · Amount on Record
Deed Document Number	6520
Deed Book / Page	1663 / 19
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 3, 2020
Property Address	315 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-7286
Document Number	1663/19
Book / Page	1663 / 19
Instrument Date	Oct 5, 2020
Instrument	6520
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	166322
Date	Nov 3, 2020
Instrument	1663/22

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 29, 2019
Property Address	315 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-7286
Document Number	01614/0493
Book / Page	01614 / 0493
Instrument Date	May 29, 2019
Instrument	02324
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$685.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 BALLANTREE DR, 30, ASHEVILLE, NC 28803-2020

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	02325
Date	May 29, 2019
Instrument	02325

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$2,740.00	$374,510 (-)	$374,510 (-) Land $18,000 Building $356,510
2023		$374,510	$374,510 Land $18,000 Building $356,510

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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