497 Country Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 497 Country Ln, Murphy, NC 28906

Property Summary

Property Type	Residential Vacant Land
Details	1 bd · 1 ba · 384 sqft · built 2012
Lot Size	1.12 acres (48,787 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Apr 2024)
Tax Bill	$98 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`447900291529000`

Property Details

APN / Parcel Number

Primary APN	`447900291529000`
Alternative APNs	`25256` `62066`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	384 sqft Heated Area
Gross Area	480 sqft
1st Floor Area	384 sqft
Flooring	Combination, Other
Interior Walls	Masonry
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2016
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	48,787 sqft (1.12 acres)
Lot Dimensions	330 ft deep x 185 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	62066
Street Address	497 COUNTRY LN
City	MURPHY
State	NC
Zip	28906
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 10 COUNTRY LANES @ WELLS LAKE 1295/293
Legal Subdivision	COUNTRY LANES/WELLS LAKE
Legal Lot Number	10
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1035
Census Tract	930604

Owner

Source: Cherokee County records, as of July 1, 2026

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

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

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 5, 2025	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY
Aug 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
Feb 1, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Prior Sale	Aug 15, 2007 · Amount on Record
Deed Document Number	20241497
Deed Book / Page	1754 / 1
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Jun 19, 2026
Property Address	497 COUNTRY LN, MURPHY, NC 28906
Document Number	0000003049
Book / Page	1803 / 1326
Instrument Date	Jun 17, 2026
Instrument	20263049
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000003049,
Date	Jun 19, 2026
Book Page	1803/1326
Instrument	20263049

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	497 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	001785/584
Date	Sep 5, 2025
Book Page	1785/584
Instrument	4276

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	102 HWY 64 E, HAYESVILLE, NC 28904

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	497 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 Recorded
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%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 1, 2024
Property Address	497 COUNTRY LN, MURPHY, NC 28906
Document Number	00001754/1
Book / Page	1754 / 1
Instrument	1497
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	771 ELLIOT SMITH RD, JEFFERSON, GA 30549-3016

Transferred To (Grantee/Buyer)

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

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	$98.00	$15,000 (-72.78%)	$15,000 (-72.78%) Land $15,000
2023		$55,110	$55,110 Land $15,000 Building $40,110

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

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	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

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

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