440 Rocky Spring Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 440 Rocky Spring Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,080 sqft · built 2011
Lot Size	2.34 acres (101,930 sqft)
Owner	Individual Name on Record
Last Sale	$167,500 (Oct 2018)
Tax Bill	$1,302 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`454200269687000`

Property Details

APN / Parcel Number

Primary APN	`454200269687000`
Alternative APN	`48612`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Heated Area
Gross Area	1,616 sqft
1st Floor Area	856 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2016
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	101,930 sqft (2.34 acres)
Lot Dimensions	220 ft deep x 348 ft wide
Porch	Slab
Porch Area	368 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	48612
Street Address	440 ROCKY SPRING LN
City	MURPHY
State	NC
Zip	28906-4657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11A BIG ROCK 1409/1055
Legal Subdivision	BIG ROCK SUBDIVISION
Legal Lot Number	11A
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2020
Census Tract	930606

Owner

Source: Cherokee County records, as of October 19, 2026

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
Mailing Address	440 ROCKY SPRING LN, MURPHY, NC 28906-4657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Apr 13, 2011 · Amount on Record
Deed Document Number	20184922
Deed Book / Page	1597 / 1091
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	440 ROCKY SPRING LN, MURPHY, NC 28906-4657
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001705/788
Date	Mar 3, 2022
Book Page	1705/788
Instrument	1387

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	440 ROCKY SPRING LN, MURPHY, NC 28906-4657
Transaction Type	Mortgage
Record Updated	Dec 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01598/0001
Date	Oct 12, 2018
Book Page	01598/0001
Instrument	04923

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 12, 2018
Property Address	440 ROCKY SPRING LN, MURPHY, NC 28906-4657
Document Number	01597/1091
Book / Page	01597 / 1091
Instrument Date	Sep 26, 2018
Instrument	04922
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Tax	$335.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8604 PENSACOLA RD, 8604, FORT PIERCE, FL 34951-4500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 ROCKY SPRING LN, MURPHY, NC 28906-4657

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	$1,302.00	$172,700 (-)	$172,700 (-) Land $22,500 Building $150,200
2023		$172,700	$172,700 Land $22,500 Building $150,200

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	High above 72% of the US · above 94% of North Carolina
Wildfire Likelihood	0.4% 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 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
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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