5085 Hwy 294, Murphy, NC 28906 Property Records

Cherokee County property record for 5085 Hwy 294, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,010 sqft · built 1950
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Mar 2020)
Tax Bill	$731 (2025)
Deeds & Mortgages	May 2018 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`454200731166000`

Property Details

APN / Parcel Number

Primary APN	`454200731166000`
Alternative APN	`51564`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,010 sqft Heated Area
Gross Area	1,965 sqft
1st Floor Area	1,010 sqft
Basement Area	405 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2000
Exterior Material	Other
Roof Type	Gable
Roof Material	Metal
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	85 ft deep x 164 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Porch	Slab
Porch Area	160 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	51564
Street Address	5085 HIGHWAY 294
City	MURPHY
State	NC
Zip	28906-4908
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 1 FR SIMMONS 1107/786 DOT 1507/470
Legal Subdivision	DOROTHY A KEVOLIC
Legal Tract	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2020
Census Tract	930606

Owner

5085 Hwy 294, a rural home, is owned by an individual who bought it in March 2020.

Source: Cherokee County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	5095 HIGHWAY 294, MURPHY, NC 28906-4908
Owner Type	Individual
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK AND TRUST CO INC
Mar 3, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE ASSURANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Jul 1, 2004 · Amount on File
Deed Document Number	20201074
Deed Book / Page	1637 / 955
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	5085 HIGHWAY 294, MURPHY, NC 28906-4908
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01586/0923
Date	May 10, 2018
Book Page	01586/0923
Instrument	02210

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 3, 2020
Property Address	5085 HIGHWAY 294, MURPHY, NC 28906-4908
Document Number	001637/955
Book / Page	1637 / 955
Instrument Date	Jan 14, 2020
Instrument	1074
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4328 LOWER BEAR PAW RD, 4328, MURPHY, NC 28906-1728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 WHITE ROCK BRANCH RD, CANDLER, NC 28715-8123

Mortgage

Document Number	0016370958
Date	Mar 3, 2020
Instrument	01637/0958

Lender

Name	MORTGAGE ASSURANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5085 Hwy 294 was $731.

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	$731.00	$91,650	$91,650 Land $5,680 Building $85,970
2023		$91,650	$91,650 Land $5,680 Building $85,970

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5085 Hwy 294 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 5085 Hwy 294 is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 94% of North Carolina
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 26 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, Verizon.

Cell Coverage

No cell data coverage reported

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