Cherokee County property record for 431 Winding Creek Rd, Murphy, NC 28906
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,108 sqft · built 1980 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $61,000 (Jul 1996) |
| Tax Bill | $726 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 442900846913000 |
| Primary APN | 442900846913000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,108 sqft Heated Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Lot Dimensions | 400 ft deep x 30 ft wide |
| Terrain | Mountain |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 330030087201 |
|---|---|
| Street Address | 431 WINDING CREEK RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-4599 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HILDRETH |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | HOTHOUSE |
| Census Block Group | 1 |
| Census Block | 1068 |
| Census Tract | 930605 |
431 Winding Creek Rd, a rural home, is owned and occupied by two individuals who bought it in July 1996.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 WINDING CREEK RD, MURPHY, NC 28906-4599 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 1996 · Amount on File |
| Deed Sale | Jul 1, 1996 · Amount on File |
| Deed Document Number | 0000696217 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 431 Winding Creek Rd was $726.
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $726.00 | $91,660 | $91,660 Land $15,000 Building $76,660 |
| 2023 | $91,110 | $91,110 Land $15,000 Building $76,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Winding Creek Rd 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 | 1 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 risk around 431 Winding Creek Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 86% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: FCC Broadband Data Collection, based on 27 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 |
May also be available: Blue Ridge Mountain EMC.
4G LTE (outdoors only), no 5G reported
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