361 Hibberts Mountain Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 361 Hibberts Mountain Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,432 sqft · built 1980
Lot Size	4.5 acres (196,020 sqft)
Owner	Individual Name on File
Tax Bill	$1,042 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`455200071960000`

Property Details

APN / Parcel Number

Primary APN	`455200071960000`
Alternative APN	`45709`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,432 sqft Heated Area
Gross Area	2,627 sqft
1st Floor Area	1,432 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	196,020 sqft (4.5 acres)
Lot Dimensions	415 ft deep x 491 ft wide
Garage Type	Carport
Garage Area	715 sqft
Carport	Carport
Carport Area	715 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	262 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	45709
Street Address	361 HIBBERTS MTN RD
City	MURPHY
State	NC
Zip	28906-8596
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 1 P/O LOT 2 H L HIBBERTS SUB P/O 1432/207
Legal Subdivision	H L HIBBERTS
Legal Tract	1
Legal Lot Number	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1042
Census Tract	930603

Owner

361 Hibberts Mountain Rd, a rural home, is owned and occupied by an individual.

Source: Cherokee County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	361 HIBBERTS MTN RD, MURPHY, NC 28906-8596
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
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Jun 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jul 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Aug 8, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	May 28, 2026
Property Address	361 HIBBERTS MTN RD, MURPHY, NC 28906-8596
Document Number	0000002621
Book / Page	1802 / 575
Instrument Date	May 21, 2026
Instrument	20262621
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 HIBBERTS MTN RD, MURPHY, NC 28906-8596

Mortgage

Document Number	0000002621,
Date	May 28, 2026
Book Page	1802/575
Instrument	20262621

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 27, 2036

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	361 HIBBERTS MTN RD, MURPHY, NC 28906-8596
Transaction Type	Mortgage
Record Updated	Jun 20, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 HIBBERTS MTN RD, MURPHY, NC 28906-8596

Mortgage

Document Number	001713/570
Date	Jun 1, 2022
Book Page	1713/570
Instrument	3629

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	361 HIBBERTS MTN RD, MURPHY, NC 28906-8596
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01592/0624
Date	Jul 30, 2018
Book Page	01592/0624
Instrument	03642

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2033

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	361 HIBBERTS MTN RD, MURPHY, NC 28906-8596
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01566/0454
Date	Aug 8, 2017
Book Page	01566/0454
Instrument	03469

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 361 Hibberts Mountain Rd was $1,042.

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	$1,042.00	$135,870	$135,870 Land $20,350 Building $115,520
2023		$135,700	$135,700 Land $20,350 Building $115,350

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

Flood

FEMA maps place 361 Hibberts Mountain 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 361 Hibberts Mountain Rd is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 91% of North Carolina
Wildfire Likelihood	0.3% 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 13 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
Verizon Fixed Wireless	25 / 6
RiverStreet Networks Fixed Wireless	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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