427 Pinnacle Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 427 Pinnacle Ln, Murphy, NC 28906 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,400 sqft · built 2023
Lot Size	1.13 acres (49,223 sqft)
Owner	Company Name on File
Tax Bill	$1,917 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`449900848826000`

Property Details

APN / Parcel Number

Primary APN	`449900848826000`
Alternative APNs	`46511` `62953`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,400 sqft Heated Area
Gross Area	4,734 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	49,223 sqft (1.13 acres)
Lot Dimensions	239 ft deep x 228 ft wide
Terrain	Mountain

Exterior Amenities

Porch	Open Porch
Porch Area	572 sqft
Deck Area	400 sqft
Patio Area	481 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	62953
Street Address	427 PINNACLE LN
City	MURPHY
State	NC
Zip	28906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 PINHOOK RIDGE 1728/1412
Legal Lot Number	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1021
Census Tract	930501

Owner

Source: Cherokee County records · APN 449900848826000

Assessment roll updated January 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	7001 TILBURY CT, MCKINNEY, TX 75071-6532
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Jun 07, 2024	Warranty Deed, Transfer
Feb 06, 2023	Warranty Deed, Transfer
Jul 14, 2020	Special Warranty Deed, Construction Loan · Construction Mortgage NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 07, 2024
Deed Sale	Jun 07, 2024
Prior Sale	Feb 06, 2023 · Amount on Record
Deed Document Number	2821
Deed Book / Page	1758 / 498
Record Updated	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	427 PINNACLE LN, MURPHY, NC 28906
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	001722/586
Date	Oct 11, 2022
Book Page	1722/586
Instrument	6530

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 06, 2023

Interest

Rate Type	Adjustable Rate

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 07, 2024
Property Address	427 PINNACLE LN, MURPHY, NC 28906
Document Number	001758/498
Book / Page	1758 / 498
Instrument	2821
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7001 TILBURY CT, MCKINNEY, TX 75071-6532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7001 TILBURY CT, MCKINNEY, TX 75071-6532

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 06, 2023
Property Address	427 PINNACLE LN, MURPHY, NC 28906
Document Number	01728/1412
Book / Page	1728 / 1412
Instrument Date	Jan 19, 2023
Instrument	518
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount Recorded
Tax	$150.00
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	7001 TIBURY COURT, MC KINNEY, TX 75071-6532

July 2020: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 14, 2020
Property Address	427 PINNACLE LN, MURPHY, NC 28906
Document Number	001649/388
Book / Page	1649 / 388
Instrument Date	Jul 10, 2020
Instrument	3532
Transaction Type	Construction Loan
Record Updated	Jan 13, 2026

Transaction

Amount	Amount Recorded
Tax	$188.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 SILER RD, FRANKLIN, NC 28734-1985

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7934 W NC 10 HWY, VALE, NC 28168-9515
Investor	Possibly a Property Investor

Mortgage

Document Number	0001649392
Date	Jul 14, 2020
Instrument	1649/392

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 09, 2021

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,917.00	$284,600 (+1,504.28%)	$284,600 (+1,504.28%) Land $17,740 Building $266,860
2023		$17,740	$17,740 Land $17,740

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399305011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 84% of North Carolina
Wildfire Likelihood	About 1 in 500 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wilkes Telephone Membership	Fixed Wireless (unlicensed)	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Blue Ridge Mountain Electric Membership. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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