315 Windy Ridge Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 315 Windy Ridge Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 900 sqft · built 1998
Lot Size	3.42 acres (148,975 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Mar 2022)
Tax Bill	$956 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`458004512301000`

Property Details

APN / Parcel Number

Primary APN	`458004512301000`
Alternative APNs	`52313` `56888`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	900 sqft Heated Area
Gross Area	2,476 sqft
1st Floor Area	900 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	148,975 sqft (3.42 acres)
Lot Dimensions	575 ft deep x 585 ft wide

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	196 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	56888
Street Address	315 WINDY RIDGE LN
City	MURPHY
State	NC
Zip	28906-2192
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 33-B MARY KING MOUNTAIN 1650/85
Legal Subdivision	MARY KING MOUNTAIN
Legal Tract	33
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2000
Census Tract	930502

Owner

315 Windy Ridge Ln is owned by two individuals who bought it in March 2022.

Source: Cherokee County records, as of October 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5740 LAKE BREEZE AVE, LAKELAND, FL 33809-3341
Owner Type	Individual

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
Mar 4, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jul 20, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on File
Deed Sale	Mar 4, 2022 · Amount on File
Prior Sale	Dec 1, 1996 · Amount on File
Deed Document Number	20221422
Deed Book / Page	1705 / 980
Prior Transfer Date	Jul 15, 2020
Prior Transfer Doc	1650/85
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 4, 2022
Property Address	315 WINDY RIDGE LN, MURPHY, NC 28906-2192
Document Number	001705/980
Book / Page	1705 / 980
Instrument Date	Feb 21, 2022
Instrument	1422
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 WINDY RIDGE LN, 315, MURPHY, NC 28906-2192

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5740 LAKE BREEZE AVE, LAKELAND, FL 33809-3341

Mortgage

Document Number	0001705985
Date	Mar 4, 2022
Instrument	1705/985

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Jul 20, 2020
Property Address	315 WINDY RIDGE LN, MURPHY, NC 28906-2192
Document Number	1650/85
Book / Page	1650 / 85
Instrument Date	Jul 15, 2020
Instrument	3672
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
Address	315 WINDY RIDGE LN, 315, MURPHY, NC 28906-2192

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1282 CLOVE DR, POINCIANA, FL 34759-5406

Tax Assessment & Valuation

The 2025 property tax bill for 315 Windy Ridge Ln was $956.

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	$956.00	$132,290	$132,290 Land $16,500 Building $115,790
2023		$132,290	$132,290 Land $16,500 Building $115,790

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 315 Windy Ridge Ln 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	4 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 315 Windy Ridge Ln is moderate, ranking above 61% 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 61% of the US · above 84% 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 38 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

Cell Coverage

4G LTE only, no 5G reported

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