490 Nichols Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 490 Nichols Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 2,080 sqft · built 2002
Lot Size	8.89 acres (387,248 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Apr 2023)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`445900502901000`

Property Details

APN / Parcel Number

Primary APN	`445900502901000`
Alternative APNs	`45468` `63452`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,080 sqft Heated Area
Gross Area	3,416 sqft
1st Floor Area	2,080 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	387,248 sqft (8.89 acres)
Lot Width	1,033 ft Width
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	808 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	63452
Street Address	490 NICHOLS RD
City	MURPHY
State	NC
Zip	28906-5758
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	EDMONDSON PROP 1749/1253 C/129 A/97E
Legal Phase	1749
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2005
Census Tract	930604

Owner

Source: Cherokee County records, as of June 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	490 NICHOLS RD, MURPHY, NC 28906-5758
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK
Jan 17, 2024	Intrafamily Transfer, Transfer
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Apr 4, 2023	Warranty Deed, Transfer
Apr 19, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023 · Amount on Record
Deed Sale	Apr 4, 2023 · Amount on Record
Prior Sale	Feb 1, 2002
Deed Document Number	20231585
Deed Book / Page	1732 / 577
Last Transfer Date	Aug 19, 2024
Transfer Doc	001762/975
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	May 28, 2026
Property Address	490 NICHOLS RD, MURPHY, NC 28906-5758
Document Number	0000002620
Book / Page	1802 / 558
Instrument Date	May 6, 2026
Instrument	20262620
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 NICHOLS RD, MURPHY, NC 28906-5758

Mortgage

Document Number	0000002620,
Date	May 28, 2026
Book Page	1802/558
Instrument	20262620

Lender

Name	SOUTH STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 20, 2036

Interest

Rate	6.37%
Max Rate	-1%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Jan 17, 2024
Property Address	490 NICHOLS RD, MURPHY, NC 28906-5758
Document Number	01749/1253
Book / Page	1749 / 1253
Instrument Date	Jan 4, 2024
Instrument	238
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 NICHOLS RD, MURPHY, NC 28906-5758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 NICHOLS RD, MURPHY, NC 28906-5758

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	490 NICHOLS RD, MURPHY, NC 28906-5758
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2058 QUEENS CEMETERY RD, GOOD HOPE, GA 30641-2016

Mortgage

Document Number	001736/333
Date	Jun 6, 2023
Book Page	1736/333
Instrument	2725

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29423

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 31, 2028

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 4, 2023
Property Address	490 NICHOLS RD, MURPHY, NC 28906-5758
Document Number	001732/577
Book / Page	1732 / 577
Instrument Date	Mar 13, 2023
Instrument	1585
Transaction Type	Transfer
Record Updated	May 9, 2023

Transaction

Amount	Amount Recorded
Tax	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 NICHOLS RD, MURPHY, NC 28906-5758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 NICHOLS RD, MURPHY, NC 28906-5758

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Apr 19, 2017
Property Address	490 NICHOLS RD, MURPHY, NC 28906-5758
Document Number	01558/0852
Book / Page	01558 / 0852
Instrument Date	Mar 18, 2017
Instrument	01660
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	490 NICHOLS RD, MURPHY, NC 28906-5758

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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	$2,150.00	$295,050 (+5.36%)	$295,050 (+5.36%) Land $43,740 Building $251,310
2023		$280,050	$280,050 Land $43,740 Building $236,310

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	4 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 64% of the US · above 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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