50 Francis Cir, Murphy, NC 28906 Property Records

Cherokee County property record for 50 Francis Cir, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 2,160 sqft · built 2007
Lot Size	4.54 acres (197,762 sqft)
Owner	2 Individual Names on Record
Last Sale	$36,500 (May 2001)
Tax Bill	$2,829 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`444900261926000`

Property Details

APN / Parcel Number

Primary APN	`444900261926000`
Alternative APN	`550050104844`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,160 sqft Heated Area
Upper Floors Area	720 sqft
Basement Area	1,440 sqft
Finished Basement	1,440 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	197,762 sqft (4.54 acres)
Lot Dimensions	543 ft deep x 317 ft wide
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	80 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	550050104844
Street Address	50 FRANCIS CIR
City	MURPHY
State	NC
Zip	28906-3894
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 4 BETTY HAMBY PROP
Legal Lot Number	4
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1048
Census Tract	930605

Owner

Source: Cherokee County records, as of October 9, 2025

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	PO BOX 2474, CRYSTAL RIVER, FL 34423-2474
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2001 · Amount on Record
Deed Sale	May 1, 2001 · Amount on Record
Deed Document Number	0000933198
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	50 FRANCIS CIR, MURPHY, NC 28906-3894
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1664/995
Date	Nov 17, 2020
Book Page	1664/995
Instrument	7013

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	50 FRANCIS CIR, MURPHY, NC 28906-3894
Transaction Type	Mortgage
Record Updated	Jul 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1647/86
Date	Jun 17, 2020
Book Page	1647/86
Instrument	3036

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$2,829.00	$392,060 (-)	$392,060 (-) Land $24,880 Building $367,180
2023		$392,060	$392,060 Land $24,880 Building $367,180

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	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

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

Wildfire Risk	Moderate above 59% of the US · above 82% 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 27 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: Verizon.

Cell Coverage

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

Nearby Properties on Francis Cir

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