43 Phillips Rd, Andrews, NC 28901 Property Records

Cherokee County property record for 43 Phillips Rd, Andrews, NC 28901

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,154 sqft · built 1935
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Tax Bill	$454 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`555619614487000`

Property Details

APN / Parcel Number

Primary APN	`555619614487000`
Alternative APNs	`55650` `64007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,154 sqft Heated Area
Gross Area	1,364 sqft
1st Floor Area	1,154 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1965
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	14,375 sqft (0.33 acres)
Lot Width	49 ft Width
Garage Area	1,260 sqft
Porch	Slab
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	64007
Street Address	43 PHILLIPS RD
City	ANDREWS
State	NC
Zip	28901-9247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 2 OWENBY PROP 1689/1491 B/140
Legal Subdivision	SANDRA F OWENBY PROPERTY
Legal Phase	1689
Legal Tract	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	3
Census Block	3031
Census Tract	930101

Owner

Source: Cherokee County records, as of October 10, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	208 BRISTOL AVE, ANDREWS, NC 28901-8422
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · FHA Mortgage EMORTGAGE FUNDING LLC
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 31, 2024
Transfer Doc	01767/1159
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	43 PHILLIPS RD, ANDREWS, NC 28901-9247
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	AMERICAS TITLE GROUP, AMERICAS TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 PHILLIPS RD, ANDREWS, NC 28901-9247

Mortgage

Document Number	01791/1452
Date	Dec 11, 2025
Book Page	1791/1452
Instrument	6077

Lender

Name	EMORTGAGE FUNDING LLC
Type	Mortgage Company
Address	888 W BIG BEAVER RD STE 1290, TROY, MI 48084

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	43 PHILLIPS RD, ANDREWS, NC 28901-9247
Transaction Type	Mortgage
Record Updated	Mar 8, 2023
Title Company	STATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001701/411
Date	Jan 12, 2022
Book Page	1701/411
Instrument	203

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$454.00	$60,610 (-)	$60,610 (-) Land $20,000 Building $40,610
2023		$60,610	$60,610 Land $20,000 Building $40,610

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	5 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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ANDREWS serves 3,284 people · EPA ID NC0120020
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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