4196 Lower Bear Paw Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 4196 Lower Bear Paw Rd, Murphy, NC 28906

Property Summary

Property Type	Mobile Home
Details	3 bd · 3 ba · 1,944 sqft · built 1987
Lot Size	1.99 acres (86,684 sqft)
Owner	Individual Name on Record
Last Sale	$137,500 (Sep 2020)
Tax Bill	$958 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`454400514053000`

Property Details

APN / Parcel Number

Primary APN	`454400514053000`
Alternative APN	`52666`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,944 sqft Heated Area
Flooring	Tile
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	86,684 sqft (1.99 acres)
Lot Dimensions	347 ft deep x 148 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	220 sqft
Deck Area	498 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	52666
Street Address	4196 LOWER BEAR PAW RD
City	MURPHY
State	NC
Zip	28906-1726
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	FR PAYNE 1371/959 1524/175
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1004
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
Mailing Address	4196 LOWER BEAR PAW RD, MURPHY, NC 28906-1726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	Nov 9, 2015
Deed Document Number	4783
Deed Book / Page	1655 / 308
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 4, 2020
Property Address	4196 LOWER BEAR PAW RD, MURPHY, NC 28906-1726
Document Number	1655/308
Book / Page	1655 / 308
Map Reference	MB 1524 PG 175
Instrument Date	Aug 17, 2020
Instrument	4783
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4196 LOWER BEAR PAW RD, 4196, MURPHY, NC 28906-1726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4196 LOWER BEAR PAW RD, MURPHY, NC 28906-1726

Mortgage

Document Number	1655311
Date	Sep 4, 2020
Instrument	1655/311

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$958.00	$123,920 (-2.12%)	$123,920 (-2.12%) Land $12,310 Building $111,610
2023		$126,610	$126,610 Land $12,310 Building $114,300

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 59% of the US · above 81% 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

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

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