386 Fern Forest Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 386 Fern Forest Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 2016
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (Dec 2015)
Tax Bill	$879 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`455002992345000`

Property Details

APN / Parcel Number

Primary APN	`455002992345000`
Alternative APN	`42901`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Heated Area
Gross Area	1,344 sqft
1st Floor Area	768 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	193 ft deep x 227 ft wide
Porch	Slab
Porch Area	272 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	42901
Street Address	386 FERN FOREST TRL
City	MURPHY
State	NC
Zip	28906-1590
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 FERN FOREST TRAILS P/O 1511/338
Legal Lot Number	14
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1000
Census Tract	930606

Owner

386 Fern Forest Trl is owned and occupied by an individual who bought it in December 2015.

Source: Cherokee County records, as of October 10, 2025

Owner of Record	Individual Name on File
Mailing Address	386 FERN FOREST TRL, MURPHY, NC 28906-1590
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
Dec 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage PARK STERLING BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2015 · Amount on File
Deed Sale	Dec 21, 2015 · Amount on File
Prior Sale	Jul 16, 2010 · Amount on File
Deed Document Number	20155470
Deed Book / Page	1526 / 762
Prior Transfer Date	Jul 9, 2010
Prior Transfer Doc	1390/0101
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	386 FERN FOREST TRL, MURPHY, NC 28906-1590
Transaction Type	Mortgage
Record Updated	Dec 28, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 FERN FOREST TRL, MURPHY, NC 28906-1590

Mortgage

Document Number	001748/569
Date	Dec 18, 2023
Book Page	1748/569
Instrument	6458

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	14511 MYFORD RD STE 100, TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	386 FERN FOREST TRL, MURPHY, NC 28906-1590
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01552/0248
Date	Jan 3, 2017
Book Page	01552/0248
Instrument	00008

Lender

Name	PARK STERLING BANK
Type	Bank
Address	CHARLOTTE, NC 28204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 386 Fern Forest Trl was $879.

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	$879.00	$120,890	$120,890 Land $15,600 Building $105,290
2023		$120,890	$120,890 Land $15,600 Building $105,290

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

Flood

FEMA maps place 386 Fern Forest Trl 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	6 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 386 Fern Forest Trl is moderate, ranking above 61% 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 61% of the US · above 84% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Peachtree Broadband Fiber.

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