495 Mallard Cir, Murphy, NC 28906 Property Records

Cherokee County property record for 495 Mallard Cir, Murphy, NC 28906 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,248 sqft · built 2006
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$369,000 (Jul 2025)
Tax Bill	$1,798 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`455406385881000`

Property Details

APN / Parcel Number

Primary APN	`455406385881000`
Alternative APNs	`25607` `60462`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
Gross Area	1,504 sqft
1st Floor Area	832 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Shingle
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	135 ft deep x 104 ft wide
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	60462
Street Address	495 MALLARD CIR
City	MURPHY
State	NC
Zip	28906-3995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 10 & 11 BLK 1 SEC 9 BEAR PAW 1300/633
Legal Subdivision	SECTION 9 BEAR PAW
Legal Block	1
Legal Lot Number	10-11
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2044
Census Tract	930603

Owner

Source: Cherokee County records · APN 455406385881000

Assessment roll updated October 10, 2025 · Last verified April 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 File
Mailing Address	497 HARDEE ST, DALLAS, GA 30132-4708
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK
Jun 29, 2023	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2025 · Amount on Record
Deed Sale	Jul 01, 2025 · Amount on Record
Prior Sale	Jun 29, 2023 · Amount on Record
Deed Document Number	20253045
Deed Book / Page	1781 / 134
Prior Transfer Date	Jul 30, 2007
Prior Transfer Doc	01293/0475
Record Updated	Jun 08, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 01, 2025
Property Address	495 MALLARD CIR, MURPHY, NC 28906-3995
Document Number	001781/134
Book / Page	1781 / 134
Map Reference	CAB B SL 66
Instrument Date	Jun 10, 2025
Instrument	3045
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$738.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	495 MALLARD CIR, MURPHY, NC 28906-3995

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 HARDEE ST, DALLAS, GA 30132-4708

Mortgage

Document Number	0000020136
Date	Jul 01, 2025
Instrument	20-/136

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 29, 2023
Property Address	495 MALLARD CIR, MURPHY, NC 28906
Document Number	001737/873
Book / Page	1737 / 873
Map Reference	CAB B SL 66
Instrument Date	Jun 15, 2023
Instrument	3139
Transaction Type	Transfer
Record Updated	Aug 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1739, DALTON, GA 30722-1739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 MALLARD CIR, MURPHY, NC 28906

Mortgage

Document Number	0001737875
Date	Jun 29, 2023
Instrument	1737/875

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,798.00	$155,060 (+7.29%)	$155,060 (+7.29%) Land $16,000 Building $139,060
2023		$144,530 (-)	$144,530 (-) Land $16,000 Building $128,530
2022		$144,530	$144,530 Land $16,000 Building $128,530

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399306032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	About 1 in 1,190 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 3 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: CND Acquisition. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

No mobile data coverage reported

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