3976 Hwy 294, Murphy, NC 28906 Property Records

Cherokee County property record for 3976 Hwy 294, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,335 sqft · built 2007
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$297,000 (Jun 2022)
Tax Bill	$1,955 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`455100084229000`

Property Details

APN / Parcel Number

Primary APN	`455100084229000`
Alternative APNs	`48627` `57655`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,335 sqft Heated Area
Upper Floors Area	635 sqft
Basement Area	1,538 sqft
Finished Basement	1,538 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	312 ft deep x 30 ft wide
Porch	Open Porch
Porch Area	1,353 sqft
Deck Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	57655
Street Address	3976 HIGHWAY 294
City	MURPHY
State	NC
Zip	28906-8973
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR DAVIS 1597/773
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1006
Census Tract	930603

Owner

3976 Hwy 294, a rural home, is owned and occupied by an individual who bought it in June 2022.

Source: Cherokee County records, as of October 9, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CLEARPATH LENDING
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Oct 9, 2018	Warranty Deed, Transfer · ARM LENDSURE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on File
Deed Sale	Jun 3, 2022 · Amount on File
Prior Sale	Oct 9, 2018 · Amount on File
Deed Document Number	3704
Deed Book / Page	1713 / 908
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973

Mortgage

Document Number	01740/1312
Date	Aug 22, 2023
Book Page	1740/1312
Instrument	4126

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001700/702
Date	Dec 30, 2021
Book Page	1700/702
Instrument	8756

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 3, 2022
Property Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973
Document Number	001713/908
Book / Page	1713 / 908
Instrument Date	May 25, 2022
Instrument	3704
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973

Mortgage

Document Number	0001713911
Date	Jun 3, 2022
Instrument	1713/911

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jul 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 9, 2018
Property Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973
Document Number	01597/0773
Book / Page	01597 / 0773
Instrument Date	Oct 2, 2018
Instrument	04844
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$533.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 661, MURPHY, NC 28906-0661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 HIGHWAY 294, MURPHY, NC 28906-8973
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004845
Date	Oct 9, 2018
Instrument	04845

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	10%
Index	1-Year LIBOR
Max Rate	13%

Tax Assessment & Valuation

The 2025 property tax bill for 3976 Hwy 294 was $1,955.

Source: Cherokee County assessment roll, as of January 1, 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	$1,955.00	$265,300	$265,300 Land $19,050 Building $246,250
2023		$265,300	$265,300 Land $19,050 Building $246,250

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

Flood

FEMA maps place 3976 Hwy 294 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 3976 Hwy 294 is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 94% of North Carolina
Wildfire Likelihood	0.4% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Blue Ridge Mountain EMC.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 294

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