445 White Oak Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 445 White Oak Dr, Murphy, NC 28906 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	4 Baths
Year Built	Built 2007
Square Footage	1,901 sqft Heated Area
Lot Size	94,961 sqft (2.18 acres)
Occupancy	Owner Occupied
Last Sale	$435,500 (2023)
Tax Bill	$1,905.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`453004630440000`
Alternative APNs	`47609` `60058`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Building Area	1,901 sqft Heated Area
Basement Area	506 sqft Basement
Finished Basement	748 sqft Finished
Stories	2 Stories
Primary Flooring	Wood Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Wood Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	94,961 sqft (2.18 acres)
Lot Width	319 ft Width
Parking Spaces	1 Parking Spaces
Garage Area	286 sqft Garage

Exterior Amenities

Deck Area	64 sqft Deck
Patio Area	36 sqft Patio
Porch	Open Porch
Porch Area	781 sqft Porch
Topography	Mountain Topography

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	60058
Street Address	445 WHITE OAK DR
City	MURPHY
State	NC
Zip	28906-9601
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 25 & 33 BRYER BROOK SUB 1585/682 B/47E
Legal Subdivision	BRYER BROOK SUB
Legal Lot Number	25-33
Jurisdiction	CHEROKEE NC
Minor Civil Division	HOTHOUSE
Census Blockgroup	1
Census Block	1002
Census Tract	930605

Owner

Source: Cherokee County records · APN 453004630440000

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	445 WHITE OAK DR, MURPHY, NC 28906-9601
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Apr 20, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Apr 20, 2018 · Amount on Record
Deed Doc Number	2287
Deed Book / Page	1734 / 1131
Record Refreshed	Jun 08, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 12, 2023
Property Address	445 WHITE OAK DR, MURPHY, NC 28906-9601
Document Number	01734/1131
Book / Page	1734 / 1131
Instrument Date	Apr 27, 2023
Instrument	2287
Transaction Type	Transfer
Record Updated	Aug 09, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$871.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 WHITE OAK DR, MURPHY, NC 28906-9601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 SE 20TH CT, CAPE CORAL, FL 33990-1849

Mortgage

Document Number	0017341134
Date	May 12, 2023
Instrument	1734/1134

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Jun 01, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	12.5%
Index	52-Week T-Bill (1-Year)
Margin	3
Max Rate	12.5%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	445 WHITE OAK DR, MURPHY, NC 28906-9601
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001667/811
Date	Dec 17, 2020
Book Page	1667/811
Instrument	7905

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jan 01, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	9.87%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 20, 2018
Property Address	445 WHITE OAK DR, MURPHY, NC 28906-9601
Document Number	01585/0682
Book / Page	01585 / 0682
Instrument Date	Apr 04, 2018
Instrument	01881
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 WHITE OAK DR, 445, MURPHY, NC 28906-9601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 WHITE OAK DR, MURPHY, NC 28906-9601

Mortgage

Document Number	0000001882
Date	Apr 20, 2018
Instrument	01882

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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	$1,905.00 (+8.73%)	$260,060 (-)	$260,060 (-) Land $30,000 Building $230,060
2023		$260,060 (-)	$260,060 (-) Land $30,000 Building $230,060
2022	$1,752.00	$260,060	$260,060 Land $30,000 Building $230,060

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 89% of North Carolina
Wildfire Likelihood	About 1 in 370 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

445 White Oak Dr, Murphy, NC 28906 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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