319 Owl Creek Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 319 Owl Creek Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,872 sqft · built 1981
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$62,000 (Sep 2003)
Tax Bill	$1,108 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`459400578997000`

Property Details

APN / Parcel Number

Primary APN	`459400578997000`
Alternative APN	`10041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,872 sqft Heated Area
Gross Area	3,392 sqft
1st Floor Area	1,872 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1994
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Lot Dimensions	336 ft deep x 230 ft wide
Porch	Patio
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	10041
Street Address	319 OWL CREEK RD
City	MURPHY
State	NC
Zip	28906-7516
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	MCRAE PROP 231/67 1061/327
Legal Phase	231
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1000
Census Tract	930300

Owner

319 Owl Creek Rd, a rural home, is owned and occupied by two individuals who acquired it in March 2015.

Source: Cherokee County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	319 OWL CREEK RD, MURPHY, NC 28906-7516
Occupancy	Owner Occupied
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
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2003 · Amount on File
Deed Sale	Sep 1, 2003 · Amount on File
Deed Book / Page	1061 / 327
Last Transfer Date	Mar 11, 2015
Transfer Doc	01507/1077
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Jun 29, 2026
Property Address	319 OWL CREEK RD, MURPHY, NC 28906-7516
Document Number	0000003225
Book / Page	1804 / 835
Instrument Date	Jun 23, 2026
Instrument	20263225
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	ATLAS TITLE, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 OWL CREEK RD, MURPHY, NC 28906-7516

Mortgage

Document Number	0000003225,
Date	Jun 29, 2026
Book Page	1804/835
Instrument	20263225

Lender

Name	LENDAGE LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate	5.87%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	319 OWL CREEK RD, MURPHY, NC 28906-7516
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1674/186
Date	Mar 5, 2021
Book Page	1674/186
Instrument	1462

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	319 OWL CREEK RD, MURPHY, NC 28906-7516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01574/0774
Date	Nov 20, 2017
Book Page	01574/0774
Instrument	05411

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 319 Owl Creek Rd was $1,108.

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	$1,108.00	$152,990	$152,990 Land $12,210 Building $140,780
2023		$152,990	$152,990 Land $12,210 Building $140,780

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 319 Owl Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

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 319 Owl Creek Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 93% of North Carolina
Wildfire Likelihood	0.4% 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 15 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 (outdoors only), no 5G reported

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