433 Panther Top Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 433 Panther Top Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,248 sqft · built 1979
Lot Size	3.35 acres (146,362 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Oct 2021)
Tax Bill	$860 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`456100212218000`

Property Details

APN / Parcel Number

Primary APN	`456100212218000`
Alternative APN	`55879`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,248 sqft Heated Area
Basement Area	624 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	146,362 sqft (3.35 acres)
Lot Dimensions	359 ft deep x 354 ft wide
Garage Type	Mixed
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	55879
Street Address	433 PANTHER TOP RD
City	MURPHY
State	NC
Zip	28906-7350
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	P/O LOT 2 SHAFFER PROP P/O 1534/465 G/393
Legal Lot Number	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1026
Census Tract	930603

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	433 PANTHER TOP RD, MURPHY, NC 28906-7350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Oct 12, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Apr 29, 2016
Deed Document Number	6866
Deed Book / Page	1693 / 762
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	433 PANTHER TOP RD, MURPHY, NC 28906-7350
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001744/74
Date	Oct 11, 2023
Book Page	1744/74
Instrument	5109

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 12, 2021
Property Address	433 PANTHER TOP RD, MURPHY, NC 28906-7350
Document Number	001693/762
Book / Page	1693 / 762
Instrument Date	Oct 8, 2021
Instrument	6866
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 PANTHER TOP RD, MURPHY, NC 28906-7350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 PANTHER TOP RD, MURPHY, NC 28906-7350

Mortgage

Document Number	0001693765
Date	Oct 12, 2021
Instrument	1693/765

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

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	$860.00	$118,090 (-)	$118,090 (-) Land $20,430 Building $97,660
2023		$118,090	$118,090 Land $20,430 Building $97,660

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 85% of North Carolina
Wildfire Likelihood	0.2% 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 75 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
Starlink Satellite	280 / 30

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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