398 Pin Oak Rdg, Murphy, NC 28906 Property Records

Cherokee County property record for 398 Pin Oak Rdg, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,624 sqft · built 2007
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jun 2023)
Tax Bill	$2,156 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`551103034516000`

Property Details

APN / Parcel Number

Primary APN	`551103034516000`
Alternative APNs	`56149` `60247`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,624 sqft Heated Area
Gross Area	3,648 sqft
1st Floor Area	1,008 sqft
Upper Floors Area	616 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2017
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	54,886 sqft (1.26 acres)
Lot Dimensions	479 ft deep x 111 ft wide
Terrain	Mountain
Porch	Slab
Porch Area	368 sqft
Deck Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	60247
Street Address	398 PIN OAK RDG
City	MURPHY
State	NC
Zip	28906-6950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 107 PH 3 HIGHLAND CREEK 1696/1485
Legal Subdivision	HIGHLAND CREEK
Legal Phase	3
Legal Lot Number	107
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2015
Census Tract	930501

Owner

398 Pin Oak Rdg is owned by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1333 JEWELL AVE, FRANKLIN, TN 37064-4993
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 2, 2023	Warranty Deed, Transfer · Conventional Mortgage KINECTA FCU
Nov 16, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 19, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA
Nov 16, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 16, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on File
Deed Sale	Jun 2, 2023 · Amount on File
Prior Sale	Nov 19, 2021 · Amount on File
Deed Document Number	20232674
Deed Book / Page	1736 / 95
Prior Transfer Date	Oct 25, 2021
Prior Transfer Doc	001696/708
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 2, 2023
Property Address	398 PIN OAK RDG, MURPHY, NC 28906-6950
Document Number	0001736/95
Book / Page	1736 / 95
Instrument Date	May 10, 2023
Instrument	2674
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,070.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4622 MONTAUK RD SW, LILBURN, GA 30047-3972

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1333 JEWELL AVE, FRANKLIN, TN 37064-4993

Mortgage

Document Number	0000173698
Date	Jun 2, 2023
Instrument	1736/98

Lender

Name	KINECTA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2038

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 16, 2021
Property Address	398 PIN OAK RDG, MURPHY, NC 28906-6950
Document Number	001696/712
Book / Page	1696 / 712
Map Reference	MB 01472 PG0476-0478
Instrument Date	Nov 1, 2021
Instrument	7703
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5501 JOBETH DR, NEW PORT RICHEY, FL 34652-3227

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 19, 2021
Property Address	398 PIN OAK RDG, MURPHY, NC 28906-6950
Document Number	01696/1485
Book / Page	1696 / 1485
Instrument Date	Oct 29, 2021
Instrument	7828
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5501 JOBETH DR, NEW PORT RICHEY, FL 34652-3227

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1754 JENNINGS WAY, NORCROSS, GA 30093-1446

Mortgage

Document Number	0016961488
Date	Nov 19, 2021
Instrument	1696/1488

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 16, 2021
Property Address	398 PIN OAK RDG, MURPHY, NC 28906-6950
Document Number	001696/717
Book / Page	1696 / 717
Map Reference	MB 01472 PG0476-0478
Instrument Date	Oct 25, 2021
Instrument	7704
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5501 JOBETH DR, NEW PORT RICHEY, FL 34652-3227

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 16, 2021
Property Address	398 PIN OAK RDG, MURPHY, NC 28906-6950
Document Number	001696/708
Book / Page	1696 / 708
Map Reference	MB 01472 PG 04760478
Instrument Date	Oct 25, 2021
Instrument	7702
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5501 JOBETH DR, NEW PORT RICHEY, FL 34652-3227

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 23, 2021
Property Address	398 PIN OAK RDG, MURPHY, NC 28906-6950
Document Number	01678/1138
Book / Page	1678 / 1138
Instrument Date	Aug 19, 2020
Instrument	2708
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5501 JOBETH DR, NEW PORT RICHEY, FL 34652-3227

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Tax Assessment & Valuation

The 2025 property tax bill for 398 Pin Oak Rdg was $2,156.

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	$2,156.00	$292,220	$292,220 Land $30,000 Building $262,220
2023		$292,220	$292,220 Land $30,000 Building $262,220

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

Flood

FEMA maps place 398 Pin Oak Rdg in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2020.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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 398 Pin Oak Rdg is moderate, ranking above 62% 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 62% 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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