4045 Hwy 294, Murphy, NC 28906 Property Records

Cherokee County property record for 4045 Hwy 294, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,092 sqft · built 2007
Lot Size	4.94 acres (215,622 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,259 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`454100879456000`

Property Details

APN / Parcel Number

Primary APN	`454100879456000`
Alternative APN	`22701`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,092 sqft Heated Area
Basement Area	1,192 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	215,622 sqft (4.94 acres)
Lot Dimensions	502 ft deep x 454 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	560 sqft
Patio Area	644 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	22701
Street Address	4045 HIGHWAY 294
City	MURPHY
State	NC
Zip	28906-8419
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	MCNABB PROP P/O 324/199 DOT R/W 1498/362
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2039
Census Tract	930606

Owner

4045 Hwy 294, a rural home, is owned and occupied by two individuals who acquired it in October 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	4045 HIGHWAY 294, MURPHY, NC 28906-8419
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
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2006
Deed Sale	Oct 1, 2006
Deed Document Number	0000125854
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	4045 HIGHWAY 294, MURPHY, NC 28906-8419
Transaction Type	Mortgage
Record Updated	Nov 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 HIGHWAY 294, MURPHY, NC 28906-8419

Mortgage

Document Number	001723/468
Date	Oct 24, 2022
Book Page	1723/468
Instrument	6808

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	470 Months
Due	Dec 15, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	4045 HIGHWAY 294, MURPHY, NC 28906-8419
Transaction Type	Mortgage
Record Updated	Jul 30, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1685/1052
Date	Jul 13, 2021
Book Page	1685/1052
Instrument	4658

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	4045 HIGHWAY 294, MURPHY, NC 28906-8419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1667/972
Date	Dec 17, 2020
Book Page	1667/972
Instrument	7941

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	191 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4045 Hwy 294 was $2,259.

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	$2,259.00	$308,400	$308,400 Land $22,720 Building $285,680
2023		$260,880	$260,880 Land $22,720 Building $238,160

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

Flood

FEMA maps place 4045 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	4 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 4045 Hwy 294 is moderate, ranking above 68% 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	Moderate above 68% of the US · above 90% 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

4G LTE (outdoors only), no 5G reported

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