Cherokee County property record for 495 Reservoir Rd, Murphy, NC 28906
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1959 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $458 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 459319600919000 |
| Primary APN | 459319600919000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 912 sqft Heated Area |
| Gross Area | 1,120 sqft |
| 1st Floor Area | 912 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,572 sqft (0.61 acres) |
| Lot Dimensions | 68 ft deep x 345 ft wide |
| Porch | Slab |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 26161 |
|---|---|
| Street Address | 495 RESERVOIR RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-7372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | FR DOCKERY 417/260 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 930402 |
495 Reservoir Rd, a rural home, is owned and occupied by an individual who acquired it in April 2025.
Source: Cherokee County records, as of October 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 495 RESERVOIR RD, MURPHY, NC 28906-7372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 23, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 28, 2025 |
| Transfer Doc | 001777/239 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 495 RESERVOIR RD, MURPHY, NC 28906-7372 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1681/594 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 1681/594 |
| Instrument | 3403 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2031 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Apr 23, 2021 |
| Property Address | 495 RESERVOIR RD, MURPHY, NC 28906-7372 |
| Document Number | 1678/1293 |
| Book / Page | 1678 / 1293 |
| Instrument Date | Apr 21, 2021 |
| Instrument | 2725 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 461 RESERVOIR RD, 461, MURPHY, NC 28906-7372 |
| Name | Verified Name |
|---|---|
| Address | 495 RESERVOIR RD, MURPHY, NC 28906-7372 |
The 2025 property tax bill for 495 Reservoir Rd was $458.
Source: Cherokee County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $458.00 | $52,740 | $52,740 Land $5,800 Building $46,940 |
| 2023 | $52,740 | $52,740 Land $5,800 Building $46,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 Reservoir Rd 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 |
| 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 risk around 495 Reservoir Rd is moderate, ranking above 55% 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 55% of the US · above 77% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 115 / 7 |
| RiverStreet Networks Fixed Wireless | 25 / 3 |
May also be available: Blue Ridge Mountain EMC, Peachtree Broadband Fiber, T-Mobile.
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