4206 Hwy 294, Murphy, NC 28906 Property Records

Cherokee County property record for 4206 Hwy 294, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	5 bd · 2 ba · 1,008 sqft · built 1997
Lot Size	4.38 acres (191,228 sqft)
Owner	Individual Name on File
Last Sale	$74,000 (Oct 2012)
Tax Bill	$1,074 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`454100995243000`

Property Details

APN / Parcel Number

Primary APN	`454100995243000`
Alternative APN	`36754`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Building Area	1,008 sqft Heated Area
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	191,228 sqft (4.38 acres)
Lot Dimensions	617 ft deep x 308 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	288 sqft
Deck Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	36754
Street Address	4206 HIGHWAY 294
City	MURPHY
State	NC
Zip	28906-8579
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR MORRIS P/O 943/101
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1006
Census Tract	930603

Owner

4206 Hwy 294, a rural home, is owned and occupied by an individual who bought it in October 2012.

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

Owner of Record	Individual Name on File
Mailing Address	4206 HIGHWAY 294, MURPHY, NC 28906-8579
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
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2012 · Amount on File
Deed Sale	Oct 22, 2012 · Amount on File
Prior Sale	Sep 21, 2005 · Amount on File
Deed Document Number	5198
Deed Book / Page	1449 / 0853
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	4206 HIGHWAY 294, MURPHY, NC 28906-8579
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01718/1140
Date	Aug 17, 2022
Book Page	1718/1140
Instrument	5360

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	4206 HIGHWAY 294, MURPHY, NC 28906-8579
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001703/827
Date	Feb 8, 2022
Book Page	1703/827
Instrument	825

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	4206 HIGHWAY 294, MURPHY, NC 28906-8579
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01619/0634
Date	Jul 31, 2019
Book Page	01619/0634
Instrument	03482

Lender

Name	STATE EMPLOYEES CU
Type	Funding / Finance Company
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 4206 Hwy 294 was $1,074.

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	$1,074.00	$140,420	$140,420 Land $20,600 Building $119,820
2023		$147,540	$147,540 Land $20,600 Building $126,940

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

Flood

FEMA maps place 4206 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	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

Wildfire risk around 4206 Hwy 294 is high, ranking above 71% 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	High above 71% of the US · above 93% 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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