3840 Lower Bear Paw Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 3840 Lower Bear Paw Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,548 sqft · built 1994
Lot Size	26.9 acres (1,174,378 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Mar 2021)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`454400703811000`

Property Details

APN / Parcel Number

Primary APN	`454400703811000`
Alternative APN	`54037`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,548 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2014
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	1,174,378 sqft (26.9 acres)
Lot Width	665 ft Width
Terrain	Mountain
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Deck Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54037
Street Address	3840 LOWER BEAR PAW RD
City	MURPHY
State	NC
Zip	28906-1753
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 5 & P/O TR 1 J L BERRONG EST 1501/975
Legal Tract	5
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1004
Census Tract	930603

Owner

Source: Cherokee County assessment roll, APN 454400703811000, as of January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3840 LOWER BEAR PAW RD, MURPHY, NC 28906-1753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 05, 2021 · Amount on Record
Deed Sale	Mar 05, 2021 · Amount on Record
Deed Document Number	1482
Deed Book / Page	1674 / 293
Record Updated	Jun 08, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 05, 2021
Property Address	3840 LOWER BEAR PAW RD, MURPHY, NC 28906-1753
Document Number	1674/293
Book / Page	1674 / 293
Instrument Date	Mar 02, 2021
Instrument	1482
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1328 REECE RD, 1328, WOODSTOCK, GA 30188-2222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 LOWER BEAR PAW RD, MURPHY, NC 28906-1753

Mortgage

Document Number	1674296
Date	Mar 05, 2021
Instrument	1674/296

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Cherokee County assessment roll as of January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,888.00	$397,610 (-)	$397,610 (-) Land $136,150 Building $261,460
2023		$397,610	$397,610 Land $136,150 Building $261,460

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), as of February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399306031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 82% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 19 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

Cell Coverage

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

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