430 Cherokee Oaks Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 430 Cherokee Oaks Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,560 sqft · built 1962
Lot Size	2.66 acres (115,870 sqft)
Owner	Individual Name on Record
Last Sale	$500 (Apr 2019)
Tax Bill	$1,195 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`459300199813000`

Property Details

APN / Parcel Number

Primary APN	`459300199813000`
Alternative APN	`44656`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,560 sqft Heated Area
Flooring	Combination, Other
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	115,870 sqft (2.66 acres)
Lot Dimensions	255 ft deep x 181 ft wide
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	667 sqft
Deck Area	112 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	44656
Street Address	430 CHEROKEE OAKS RD
City	MURPHY
State	NC
Zip	28906-2525
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DOWNING PROP P/O 1359/170 1402/702
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1105
Census Tract	930300

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
Co-owner	Co-owner on Record
Mailing Address	430 CHEROKEE OAKS RD, MURPHY, NC 28906-2525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 18, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on Record
Deed Sale	Apr 18, 2019 · Amount on Record
Prior Sale	Nov 7, 2016
Deed Document Number	01647
Deed Book / Page	01611 / 0208
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	430 CHEROKEE OAKS RD, MURPHY, NC 28906-2525
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 CHEROKEE OAKS RD, MURPHY, NC 28906-2525

Mortgage

Document Number	01753/1327
Date	Apr 1, 2024
Book Page	1753/1327
Instrument	1455

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Mar 25, 2064

Interest

Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 18, 2019
Property Address	430 CHEROKEE OAKS RD, MURPHY, NC 28906-2525
Document Number	01611/0208
Book / Page	01611 / 0208
Map Reference	CAB H SL 704
Instrument Date	Apr 3, 2019
Instrument	01647
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Tax	$1.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 CHEROKEE OAKS RD, 430, MURPHY, NC 28906-2525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4550 STATE ROUTE 725 E, CAMDEN, OH 45311-8921

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	$1,195.00	$166,020 (+16.7%)	$166,020 (+16.7%) Land $39,480 Building $126,540
2023		$142,260	$142,260 Land $39,480 Building $102,780

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	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

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	High above 71% of the US · above 93% of North Carolina
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE only, no 5G reported

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