3456 Lower Bear Paw Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 3456 Lower Bear Paw Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 940 sqft · built 2005
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jun 2024)
Tax Bill	$1,271 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`454300880119000`

Property Details

APN / Parcel Number

Primary APN	`454300880119000`
Alternative APNs	`53238` `63058`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	940 sqft Heated Area
Gross Area	1,300 sqft
1st Floor Area	940 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Shingle
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	55,757 sqft (1.28 acres)
Lot Dimensions	279 ft deep x 230 ft wide
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	176 sqft
Deck Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	63058
Street Address	3456 LOWER BEAR PAW RD
City	MURPHY
State	NC
Zip	28906-0259
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 1-A FR DANCIU & TUDOR 1727/1385
Legal Subdivision	SURVEY FOR SHERRIAN D FLOYD
Legal Tract	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1004
Census Tract	930603

Owner

3456 Lower Bear Paw Rd, a rural home, is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259
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
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK A NORTH CAROLIN
Jan 13, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 24, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 10, 2020	Intrafamily Transfer, Transfer
Dec 3, 2019	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Prior Sale	Jan 13, 2023 · Amount on File
Deed Document Number	20243096
Deed Book / Page	1759 / 260
Prior Transfer Date	Nov 10, 2020
Prior Transfer Doc	1664/53
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259

Mortgage

Document Number	001790/650
Date	Nov 19, 2025
Book Page	1790/650
Instrument	5657

Lender

Name	TRUIST BANK A NORTH CAROLIN
Address	PO BOX 1290, WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jan 13, 2023
Property Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259
Document Number	01727/1385
Book / Page	1727 / 1385
Instrument Date	Jan 13, 2023
Instrument	192
Transaction Type	Transfer
Record Updated	Feb 27, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259

Mortgage

Document Number	0017271388
Date	Jan 13, 2023
Instrument	1727/1388

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1689/90
Date	Aug 24, 2021
Book Page	1689/90
Instrument	5644

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Nov 10, 2020
Property Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259
Document Number	1664/53
Book / Page	1664 / 53
Instrument Date	Nov 10, 2020
Instrument	6782
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 3, 2019
Property Address	3456 LOWER BEAR PAW RD, MURPHY, NC 28906-0259
Document Number	01630/0754
Book / Page	01630 / 0754
Instrument Date	Oct 16, 2019
Instrument	06012
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2713 PALM DR, 2713, PUNTA GORDA, FL 33950-2815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	883 NORTH ST, GREENWICH, CT 06831-2819

Mortgage

Document Number	016300757
Date	Dec 3, 2019
Instrument	01630/0757

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3456 Lower Bear Paw Rd was $1,271.

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	$1,271.00	$166,500	$166,500 Land $18,100 Building $148,400
2023		$158,230	$158,230 Land $18,100 Building $140,130

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 3456 Lower Bear Paw 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 3456 Lower Bear Paw Rd is moderate, ranking above 63% 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 63% of the US · above 85% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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