Cherokee County property record for 4515 Lower Bear Paw Rd, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 810 sqft · built 1970 |
| Lot Size | 1.22 acres (53,143 sqft) |
| Owner | Individual Name on File |
| Last Sale | $60,000 (Dec 2006) |
| Tax Bill | $186 (2025) |
| Deeds & Mortgages | Oct 2025 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 454400427068000 |
| Primary APN | 454400427068000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 810 sqft Heated Area |
| Flooring | Carpet |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Material | Metal |
| Lot Area | 53,143 sqft (1.22 acres) |
| Lot Dimensions | 497 ft deep x 121 ft wide |
| Cooling System | None |
|---|
| Account Number | 23246 |
|---|---|
| Street Address | 4515 LOWER BEAR PAW RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-1730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STILES PROP 731/103 1174/215 |
| Legal Phase | 731 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | SHOAL CREEK |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 930603 |
4515 Lower Bear Paw Rd is owned and occupied by an individual who bought it in December 2006.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4515 LOWER BEAR PAW RD, MURPHY, NC 28906-1730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2006 · Amount on File |
| Deed Sale | Dec 15, 2006 · Amount on File |
| Prior Sale | Aug 12, 2005 · Amount on File |
| Deed Document Number | 2006-0005450 |
| Deed Book / Page | 1264 / 0961 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 4515 LOWER BEAR PAW RD, MURPHY, NC 28906-1730 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4515 LOWER BEAR PAW RD, MURPHY, NC 28906-1730 |
| Document Number | 001787/869 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 1787/869 |
| Instrument | 4927 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | PO BOX 26592, RALEIGH, NC 27611 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 7, 2055 |
The 2025 property tax bill for 4515 Lower Bear Paw Rd was $186.
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $186.00 | $25,290 | $25,290 Land $9,870 Building $15,420 |
| 2023 | $25,440 | $25,440 Land $9,870 Building $15,570 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4515 Lower Bear Paw Rd in Zone X, an area of minimal flood risk.
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 | 3 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 risk around 4515 Lower Bear Paw Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 83% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Peachtree Broadband Fiber Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Blue Ridge Mountain EMC.
4G LTE (outdoors only), no 5G reported
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