491 Country Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 491 Country Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 384 sqft · built 2012
Lot Size	2.36 acres (102,802 sqft)
Owner	Company Name on File
Last Sale	$90,000 (Aug 2007)
Tax Bill	$562 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Jun 2024 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`447900291812000`

Property Details

APN / Parcel Number

Primary APN	`447900291812000`
Alternative APNs	`25256` `62066`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	384 sqft Heated Area
Gross Area	740 sqft
1st Floor Area	384 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2020
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	102,802 sqft (2.36 acres)
Lot Dimensions	351 ft deep x 310 ft wide
Porch	Slab
Porch Area	96 sqft
Deck Area	260 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	62066
Street Address	491 COUNTRY LN
City	MURPHY
State	NC
Zip	28906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 COUNTRY LANES @ WELLS LAKE 1295/293
Legal Subdivision	COUNTRY LANES AT WELLS LAKE SUBDIVISION
Legal Lot Number	15
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1035
Census Tract	930604

Owner

491 Country Ln is owned by a company that bought it in August 2007.

Source: Cherokee County records, as of October 10, 2025

Owner of Record	Company Name on File
Mailing Address	5420 JASON CT, BOYNTON BEACH, FL 33472-1270
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
Jun 26, 2024	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2007 · Amount on File
Deed Sale	Aug 15, 2007 · Amount on File
Deed Document Number	20076216
Deed Book / Page	1295 / 293
Prior Transfer Date	Aug 21, 2006
Prior Transfer Doc	01268/0582
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	491 COUNTRY LN, MURPHY, NC 28906
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5420 JASON CT, BOYNTON BEACH, FL 33472-1270

Mortgage

Document Number	001783/922
Date	Aug 12, 2025
Book Page	1783/922
Instrument	3814

Lender

Name	INVESTOR MORTGAGE FINANCE LLC
Type	Mortgage Company
Address	1905 KRAMER LN STE B700, AUSTIN, TX 78758

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.8%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	6.85%
Max Rate At Change	8.85%
Index	Other
Max Rate	11.8%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	491 COUNTRY LN, MURPHY, NC 28906
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 LAUREL OAK LN, MURPHY, NC 28906-1670

Mortgage

Document Number	001759/465
Date	Jun 26, 2024
Book Page	1759/465
Instrument	3126

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	86 HIWASSEE ST, MURPHY, NC 28906

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	252 Months
Due	Jun 24, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 491 Country Ln was $562.

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	$562.00	$72,630	$72,630 Land $30,000 Building $42,630
2023		$30,000	$30,000 Land $30,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 491 Country Ln 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	8 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

Wildfire risk around 491 Country Ln is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 70% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

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

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Country Ln

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