435 Bell Hill Ter, Murphy, NC 28906 Property Records

Cherokee County property record for 435 Bell Hill Ter, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,446 sqft · built 2012
Lot Size	15.1 acres (660,805 sqft)
Owner	Trust Name on Record
Last Sale	$345,000 (May 2019)
Tax Bill	$2,566 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`455100411176000`

Property Details

APN / Parcel Number

Primary APN	`455100411176000`
Alternative APN	`51335`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,446 sqft Heated Area
Gross Area	3,618 sqft
1st Floor Area	1,756 sqft
Upper Floors Area	690 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	660,805 sqft (15.1 acres)
Lot Width	1,178 ft Width
Garage Type	Mixed
Garage Area	784 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,172 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	51335
Street Address	435 BELL HILL TER
City	MURPHY
State	NC
Zip	28906-8814
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR ASHLEY 1413/873 1613/462 H/460
Legal Subdivision	ASHLEY PROPERTY
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2043
Census Tract	930606

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	Trust Name on Record
Mailing Address	435 BELL HILL TER, MURPHY, NC 28906-8814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage INSIGHT CU
Oct 20, 2017	Deed of Trust, Mortgage · Line of Credit ENTEGRA BANK
Jan 16, 2020	Intrafamily Transfer, Transfer
May 15, 2019	Warranty Deed, Transfer · Conventional Mortgage INSIGHT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	Jun 10, 2011 · Amount on Record
Deed Document Number	20192095
Deed Book / Page	1613 / 462
Last Transfer Date	Dec 10, 2019
Transfer Doc	01634/0329
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	435 BELL HILL TER, MURPHY, NC 28906-8814
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1670/1168
Date	Jan 26, 2021
Book Page	1670/1168
Instrument	579

Lender

Name	INSIGHT CU
Type	Credit Union
Address	LEESBURG, FL 34748

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	435 BELL HILL TER, MURPHY, NC 28906-8814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01572/0061
Date	Oct 20, 2017
Book Page	01572/0061
Instrument	04823

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 9, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Jan 16, 2020
Property Address	435 BELL HILL TER, MURPHY, NC 28906-8814
Document Number	01634/0329
Book / Page	01634 / 0329
Instrument Date	Dec 10, 2019
Instrument	00250
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	435 BELL HILL TER, MURPHY, NC 28906-8814

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 15, 2019
Property Address	435 BELL HILL TER, MURPHY, NC 28906-8814
Document Number	01613/0462
Book / Page	01613 / 0462
Instrument Date	May 15, 2019
Instrument	02095
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 BELL HILL TER, 435, MURPHY, NC 28906-8814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 BELL HILL TER, MURPHY, NC 28906-8814

Mortgage

Document Number	02096
Date	May 15, 2019
Instrument	02096

Lender

Name	INSIGHT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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	$2,566.00	$377,710 (-)	$377,710 (-) Land $83,440 Building $294,270
2023		$377,710	$377,710 Land $83,440 Building $294,270

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

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 66% of the US · above 89% of North Carolina
Wildfire Likelihood	0.3% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Peachtree Broadband Fiber Cable	500 / 30
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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