474 Poor House Mountain Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 474 Poor House Mountain Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,290 sqft · built 1987
Lot Size	0.989 acres (43,124 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Nov 2018)
Tax Bill	$2,019 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550104740139000`

Property Details

APN / Parcel Number

Primary APN	`550104740139000`
Alternative APN	`48898`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,290 sqft Heated Area
Basement Area	620 sqft
Finished Basement	620 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,124 sqft (0.989 acres)
Lot Width	124 ft Width
Terrain	Mountain
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	1,113 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	48898
Street Address	474 POOR HOUSE MOUNTAIN TRL
City	MURPHY
State	NC
Zip	28906-7864
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 50 & P/O LOT 49 CHEROKEE HILLS 1550/721 C/16
Legal Lot Number	50-49
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2033
Census Tract	930501

Owner

Source: Cherokee County records, as of October 9, 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 Record
Co-owner	Co-owner on Record
Mailing Address	36118 LAKE PASADENA RD, DADE CITY, FL 33525-8414
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 29, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2018 · Amount on Record
Deed Sale	Nov 29, 2018 · Amount on Record
Prior Sale	Dec 12, 2016 · Amount on Record
Deed Document Number	05732
Deed Book / Page	01601 / 0761
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	474 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-7864
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1693/1043
Date	Oct 14, 2021
Book Page	1693/1043
Instrument	6916

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	474 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-7864
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1647/587
Date	Jun 22, 2020
Book Page	1647/587
Instrument	3128

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 29, 2018
Property Address	474 POOR HOUSE MOUNTAIN TRL, MURPHY, NC 28906-7864
Document Number	01601/0761
Book / Page	01601 / 0761
Instrument Date	Nov 21, 2018
Instrument	05732
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36118 LAKE PASADENA RD, DADE CITY, FL 33525-8414

Mortgage

Document Number	05733
Date	Nov 29, 2018
Instrument	05733

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$2,019.00	$272,850 (-)	$272,850 (-) Land $18,000 Building $254,850
2023		$272,850	$272,850 Land $18,000 Building $254,850

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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	Moderate above 54% of the US · above 76% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

May also be available: Peachtree Broadband Fiber, T-Mobile.

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