3997 Lower Bear Paw Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 3997 Lower Bear Paw Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,680 sqft · built 2007
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Oct 2018)
Tax Bill	$2,534 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`454300592555000`

Property Details

APN / Parcel Number

Primary APN	`454300592555000`
Alternative APN	`48694`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,680 sqft Heated Area
Upper Floors Area	504 sqft
Basement Area	1,176 sqft
Finished Basement	1,176 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Lot Width	1,084 ft Width
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,024 sqft
Deck Area	440 sqft
Patio Area	440 sqft
Shed	1 Shed
Shed Area	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	48694
Street Address	3997 LOWER BEAR PAW RD
City	MURPHY
State	NC
Zip	28906-1724
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR VEVERKA 1274/237 1383/586
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2051
Census Tract	930603

Owner

Source: Cherokee County records, as of October 9, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3997 LOWER BEAR PAW RD, MURPHY, NC 28906-1724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Apr 14, 2010 · Amount on Record
Deed Document Number	05203
Deed Book / Page	01599 / 0110
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	3997 LOWER BEAR PAW RD, MURPHY, NC 28906-1724
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	SOURCE OF TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001662/624
Date	Oct 30, 2020
Book Page	1662/624
Instrument	6384

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	3997 LOWER BEAR PAW RD, MURPHY, NC 28906-1724
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01620/0591
Date	Aug 12, 2019
Book Page	01620/0591
Instrument	03682

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 29, 2018
Property Address	3997 LOWER BEAR PAW RD, MURPHY, NC 28906-1724
Document Number	01599/0110
Book / Page	01599 / 0110
Instrument Date	Oct 23, 2018
Instrument	05203
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3997 LOWER BEAR PAW RD, MURPHY, NC 28906-1724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3997 LOWER BEAR PAW RD, MURPHY, NC 28906-1724
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005204
Date	Oct 29, 2018
Instrument	05204

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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	$2,534.00	$347,390 (-)	$347,390 (-) Land $38,760 Building $308,630
2023		$347,390	$347,390 Land $38,760 Building $308,630

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

Flood

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

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

Wildfire Risk	Moderate above 57% of the US · above 80% 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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