49 Finch Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 49 Finch Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,639 sqft · built 2001
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on Record
Last Sale	$349,000 (Jul 2021)
Tax Bill	$2,112 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`441900978448000`

Property Details

APN / Parcel Number

Primary APN	`441900978448000`
Alternative APN	`55017`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,639 sqft Heated Area
Upper Floors Area	480 sqft
Basement Area	818 sqft
Finished Basement	818 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)
Lot Dimensions	366 ft deep x 387 ft wide
Terrain	Mountain
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	505 sqft
Deck Area	184 sqft
Patio Area	428 sqft
Shed	1 Shed
Shed Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	55017
Street Address	49 FINCH DR
City	MURPHY
State	NC
Zip	28906-9651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 SOARING EAGLE HGTS 1388/469
Legal Lot Number	27
Jurisdiction	CHEROKEE NC
Township / Civil Division	HOTHOUSE
Census Block Group	1
Census Block	1026
Census Tract	930605

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	PO BOX 1628, MURPHY, NC 28906-1628
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jul 1, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on Record
Deed Sale	Jul 1, 2021 · Amount on Record
Prior Sale	Jun 24, 2010 · Amount on Record
Deed Document Number	0000827168
Deed Book / Page	827 / 168
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	49 FINCH DR, MURPHY, NC 28906-9651
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01558/0859
Date	Apr 20, 2017
Book Page	01558/0859
Instrument	01662

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	49 FINCH DR, MURPHY, NC 28906-9651
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 FINCH DR, MURPHY, NC 28906-9651

Mortgage

Document Number	01657/1017
Date	Sep 25, 2020
Book Page	1657/1017
Instrument	5391

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 1, 2021
Property Address	49 FINCH DR, MURPHY, NC 28906-9651
Document Number	01684/1469
Book / Page	1684 / 1469
Instrument Date	Jun 18, 2021
Instrument	4430
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Tax	$698.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 ROBERTS RD, MURPHY, NC 28906-4505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1628, MURPHY, NC 28906-1628

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	$2,112.00	$289,690 (-)	$289,690 (-) Land $30,000 Building $259,690
2023		$289,690	$289,690 Land $30,000 Building $259,690

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	1 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	Moderate above 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.1% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Blue Ridge Mountain EMC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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