3235 Hiwassee Dam Access Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 3235 Hiwassee Dam Access Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,042 sqft · built 1978
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Sep 2026)
Tax Bill	$645 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`454400944347000`

Property Details

APN / Parcel Number

Primary APN	`454400944347000`
Alternative APN	`48209`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,042 sqft Heated Area
Gross Area	2,588 sqft
1st Floor Area	1,042 sqft
Basement Area	668 sqft
Finished Basement	668 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	702 ft deep x 30 ft wide

Exterior Amenities

Porch	Patio
Porch Area	224 sqft
Deck Area	16 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	48209
Street Address	3235 HIWASSEE DAM ACCESS RD
City	MURPHY
State	NC
Zip	28906-1741
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR EDWARDS 341/60
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2047
Census Tract	930603

Owner

3235 Hiwassee Dam Access Rd, a rural home, is owned and occupied by two individuals who bought it in September 2026.

Source: Cherokee County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3235 HIWASSEE DAM ACCESS RD, MURPHY, NC 28906-1741
Occupancy	Owner Occupied
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
Sep 4, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORPORATION
Aug 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on File
Deed Sale	Sep 4, 2026 · Amount on File
Prior Sale	Aug 3, 2018 · Amount on File
Deed Document Number	20264617
Deed Book / Page	1809 / 426
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 4, 2026
Property Address	3235 HIWASSEE DAM ACCESS RD, MURPHY, NC 28906-1741
Document Number	0000004617
Book / Page	1809 / 426
Instrument Date	Aug 5, 2026
Instrument	20264617
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 HIWASSEE DAM ACCESS RD, MURPHY, NC 28906-1741

Mortgage

Document Number	0000004618,
Date	Sep 4, 2026
Instrument	20264618

Lender

Name	AMERICAN SECURITY MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000004619,
Date	Sep 4, 2026
Book Page	1809/442
Instrument	20264619

Lender

Name	HOUSING FINANCE AGENCY NC

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 3, 2018
Property Address	3235 HIWASSEE DAM ACCESS RD, MURPHY, NC 28906-1741
Document Number	01592/1036
Book / Page	01592 / 1036
Instrument Date	Jul 24, 2018
Instrument	03726
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 GLOVER RD, 150, CLEVELAND, GA 30528-2801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 EDWARD SMITH RD, ELLABELL, GA 31308-6602

Tax Assessment & Valuation

The 2025 property tax bill for 3235 Hiwassee Dam Access Rd was $645.

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	$645.00	$79,510	$79,510 Land $8,870 Building $70,640
2023		$82,540	$82,540 Land $8,870 Building $73,670

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 3235 Hiwassee Dam Access Rd 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	3 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 3235 Hiwassee Dam Access Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	0.1% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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