401 Pt Overlook Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 401 Pt Overlook Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,400 sqft · built 2019
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jan 2020)
Tax Bill	$2,087 (2025)
Deeds & Mortgages	Apr 2019 Construction Loan Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`449901189910000`

Property Details

APN / Parcel Number

Primary APN	`449901189910000`
Alternative APN	`51375`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Heated Area
Basement Area	900 sqft
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	223 ft deep x 117 ft wide
Terrain	Mountain

Exterior Amenities

Porch	Open Porch
Porch Area	596 sqft
Deck Area	500 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	51375
Street Address	401 POINT OVERLOOK TRL
City	MURPHY
State	NC
Zip	28906-5799
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 OVERLOOK @ MARTINS CRK 1597/336
Legal Lot Number	37
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1021
Census Tract	930501

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	401 POINT OVERLOOK TRL, MURPHY, NC 28906-5799
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2019	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC
Jan 27, 2020	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Deed Document Number	00409
Deed Book / Page	01635 / 0018
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	401 POINT OVERLOOK TRL, MURPHY, NC 28906-5799
Transaction Type	Mortgage
Record Updated	Oct 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01610/0387
Date	Apr 4, 2019
Book Page	01610/0387
Instrument	01438

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Oct 3, 2021

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	401 POINT OVERLOOK TRL, MURPHY, NC 28906-5799
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00001692/5
Date	Sep 28, 2021
Book Page	1692/5
Instrument	6476

Lender

Name	MILLENNIAL HOME LENDING INC
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jan 27, 2020
Property Address	401 POINT OVERLOOK TRL, MURPHY, NC 28906-5799
Document Number	01635/0018
Book / Page	01635 / 0018
Instrument Date	Jan 17, 2020
Instrument	00409
Transaction Type	Transfer
Record Updated	Oct 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7934 W NC 10 HWY, VALE, NC 28168-9515

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 DIMOCK WAY, WAKE FOREST, NC 27587-4477

Mortgage

Document Number	0016350021
Date	Jan 27, 2020
Instrument	01635/0021

Lender

Name	CITIBANK NA
Type	Bank

Agreement

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

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	$2,087.00	$310,960 (-)	$310,960 (-) Land $40,000 Building $270,960
2023		$310,960	$310,960 Land $40,000 Building $270,960

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	2 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 64% of the US · above 86% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pt Overlook Trl

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