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45 Otter Cv, Murphy, NC 28906 Property Records

Cherokee County property record for 45 Otter Cv, Murphy, NC 28906

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,177 sqft · built 1990
Lot Size2.22 acres (96,703 sqft)
OwnerIndividual Name on File
Last Sale$389,000 (Nov 2019)
Tax Bill$2,629 (2025)
Deeds & MortgagesNov 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN457005082471000

Property Details

APN / Parcel Number

Primary APN457005082471000
Alternative APN
  • 51027

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,177 sqft Heated Area
FlooringCarpet
Interior WallsPlaster
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Exterior MaterialWood Siding
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialAsphalt
Lot Area96,703 sqft (2.22 acres)
Lot Dimensions259 ft deep x 374 ft wide
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area743 sqft
Deck Area400 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number51027
Street Address45 OTTER CV
CityMURPHY
StateNC
Zip28906-7782
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTRS 1-4 FR TEEL 1434/275 1451/928
Legal Tract1
JurisdictionCHEROKEE NC
Township / Civil DivisionNOTLA
Census Block Group1
Census Block1038
Census Tract930603

Owner

Source: Cherokee County records · APN 457005082471000

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address45 OTTER CV, MURPHY, NC 28906-7782
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 22, 2019 · Amount on Record
Deed SaleNov 22, 2019 · Amount on Record
Deed Document Number05833
Deed Book / Page01629 / 1069
Record UpdatedJun 08, 2026

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE NC
Recording DateNov 22, 2019
Property Address45 OTTER CV, MURPHY, NC 28906-7782
Document Number01629/1069
Book / Page01629 / 1069
Instrument DateNov 16, 2019
Instrument05833
Transaction TypeTransfer
Record UpdatedAug 22, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$778.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address250 N BANANA RIVER DR # DRG4, 250, MERRITT ISLAND, FL 32952-2500

Transferred To (Grantee/Buyer)

NameVerified Name
Address345 BALOGH PL, LONGWOOD, FL 32750-4183

Mortgage

Document Number0016291072
DateNov 22, 2019
Instrument01629/1072
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueDec 01, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCherokee County
Unified School DistrictCherokee 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,629.00$387,330 (-)$387,330 (-) Land $180,000 Building $207,330
2023$387,330$387,330 Land $180,000 Building $207,330

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 5, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayYes
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskModerate
above 56% of the US · above 78% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Blue Ridge Mountain Electric Membership
Fiber		1,000 / 1,000
CND Acquisition
Cable		500 / 30
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

Based on FCC filings for 55 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Otter Cv

Nearby Streets

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