505 Phillips Creek Rd, Andrews, NC 28901 Property Records

Cherokee County property record for 505 Phillips Creek Rd, Andrews, NC 28901

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 4,981 sqft · built 2024
Lot Size	15.6 acres (679,536 sqft)
Owner	Company Name on Record
Last Sale	$182,000 (Jan 2017)
Tax Bill	$5,842 (2025)
Deeds & Mortgages	Nov 2023 Construction Loan Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`555400576031000`

Property Details

APN / Parcel Number

Primary APN	`555400576031000`
Alternative APN	`38227`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	29 Plumbing Fixtures
Stories	1 Story
Building Area	4,981 sqft Heated Area
Gross Area	16,234 sqft
1st Floor Area	4,981 sqft
Basement Area	1,144 sqft
Finished Basement	1,144 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	679,536 sqft (15.6 acres)
Lot Width	788 ft Width
Porch	Slab
Porch Area	288 sqft
Patio Area	5,273 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	38227
Street Address	505 PHILLIPS CREEK RD
City	ANDREWS
State	NC
Zip	28901-7346
Property Category	Other
Property Type	Other > Other Improved
Legal Description	P/O COVENANT REALTY PISGAH COVE FARM 469/63
Legal Subdivision	COVENANT REALTY PISGAH COVE FARM
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	2
Census Block	2030
Census Tract	930200

Owner

Source: Cherokee County records, as of October 16, 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	381 PHILLIPS CREEK RD, ANDREWS, NC 28901-7347
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Jan 12, 2017	Warranty Deed, Transfer · Commercial Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2017 · Amount on Record
Deed Sale	Jan 12, 2017 · Amount on Record
Prior Sale	Jan 1, 1983 · Amount on Record
Deed Document Number	2017157
Deed Book / Page	1552 / 927
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	505 PHILLIPS CREEK RD, ANDREWS, NC 28901-7346
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 PHILLIPS CREEK RD, ANDREWS, NC 28901-7347

Mortgage

Document Number	001745/830
Date	Nov 1, 2023
Book Page	1745/830
Instrument	5582

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MC CAYSVILLE, GA 30555

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Jan 30, 2029

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jan 12, 2017
Property Address	505 PHILLIPS CREEK RD, ANDREWS, NC 28901-7346
Document Number	01552/0927
Book / Page	01552 / 0927
Instrument Date	Jan 9, 2017
Instrument	00157
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$364.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3300 MORNING DEW RD, GREENSBORO, NC 27407-6716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 PHILLIPS CREEK RD, ANDREWS, NC 28901-7347

Mortgage

Document Number	0000000158
Date	Jan 12, 2017
Instrument	00158

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Feb 11, 2017

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	$5,842.00	$879,860 (+360.8%)	$879,860 (+360.8%) Land $190,940 Building $688,920
2023		$190,940	$190,940 Land $190,940

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
Nearby Flood Claims	3 (1980–1990)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 1990 · other causes

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	High above 79% of the US · above 97% of North Carolina
Wildfire Likelihood	0.6% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Starlink Satellite	280 / 30

Cell Coverage

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

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