Cherokee County property record for 440 Reservoir Rd, Murphy, NC 28906 · Last verified October 2025
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,366 sqft · built 1963 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Jul 2022) |
| Tax Bill | $1,152 (2025) |
| Deeds & Mortgages | Jul 2022 Sale Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 459319602536000 |
| Primary APN | 459319602536000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,366 sqft Heated Area |
| Flooring | Wood |
| Interior Walls | Plywood |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 464 ft deep x 80 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 288 sqft |
| Deck Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 58041 |
|---|---|
| Street Address | 440 RESERVOIR RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-7372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PAR 2 FR CRUM 1698/237 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 930402 |
Source: Cherokee County records · APN 459319602536000
Assessment roll updated January 1, 2025 · Last verified October 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 440 RESERVOIR RD, MURPHY, NC 28906-7372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2022 | Warranty Deed, Transfer |
| Dec 06, 2021 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2022 · Amount on Record |
| Deed Sale | Jul 21, 2022 · Amount on Record |
| Prior Sale | Dec 06, 2021 · Amount on Record |
| Deed Document Number | 4798 |
| Deed Book / Page | 1716 / 1318 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Jul 21, 2022 |
| Property Address | 440 RESERVOIR RD, MURPHY, NC 28906-7372 |
| Document Number | 01716/1318 |
| Book / Page | 1716 / 1318 |
| Map Reference | MB 191 PG 293 |
| Instrument Date | Jul 19, 2022 |
| Instrument | 4798 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $530.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12557 87TH ST N, 12557, WEST PALM BEACH, FL 33412-2624 |
| Name | Verified Name |
|---|---|
| Address | 440 RESERVOIR RD, MURPHY, NC 28906-7372 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Dec 06, 2021 |
| Property Address | 440 RESERVOIR RD, MURPHY, NC 28906-7372 |
| Document Number | 001698/237 |
| Book / Page | 1698 / 237 |
| Instrument Date | Dec 02, 2021 |
| Instrument | 8136 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $302.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12557 87TH ST N, WEST PALM BCH, FL 33412-2624 |
| Document Number | 001698/226 |
|---|---|
| Date | Dec 06, 2021 |
| Book Page | 1698/226 |
| Instrument | 8135 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,152.00 | $150,590 (+1.61%) | $150,590 (+1.61%) Land $8,680 Building $141,910 |
| 2023 | $148,200 | $148,200 Land $8,680 Building $139,520 |
Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399304021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 4 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 in force 1 of 4 on primary residences |
| Wildfire Risk | Moderate above 54% of the US · above 76% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 658 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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