535 Bell Hill Ter, Murphy, NC 28906 Property Records

Cherokee County property record for 535 Bell Hill Ter, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 840 sqft · built 2022
Lot Size	2.02 acres (87,991 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Feb 2026)
Tax Bill	$612 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`455100410974000`

Property Details

APN / Parcel Number

Primary APN	`455100410974000`
Alternative APN	`660070092028`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	840 sqft Heated Area
Gross Area	900 sqft
1st Floor Area	840 sqft
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,991 sqft (2.02 acres)
Lot Dimensions	445 ft deep x 188 ft wide
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	660070092028
Street Address	535 BELL HILL TER
City	MURPHY
State	NC
Zip	28906-8815
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR STILES 822/190
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2043
Census Tract	930606

Owner

Source: Cherokee County assessment roll, as of October 10, 2025

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

Owner of Record	Individual Name on File
Mailing Address	535 BELL HILL TER, MURPHY, NC 28906-8815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Warranty Deed, Transfer · FHA Mortgage CENTRAL TRUST BANK
Oct 1, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Mar 1, 1998 · Amount on Record
Deed Document Number	2026697
Deed Book / Page	1795 / 606
Prior Transfer Date	Sep 30, 2025
Prior Transfer Doc	001787/130
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 12, 2026
Property Address	535 BELL HILL TER, MURPHY, NC 28906-8815
Document Number	001795/606
Book / Page	1795 / 606
Instrument Date	Feb 10, 2026
Instrument	697
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$312.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	494 BELL HILL TER, MURPHY, NC 28906-8814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 BELL HILL TER, MURPHY, NC 28906-8815

Mortgage

Document Number	0001795609
Date	Feb 12, 2026
Instrument	1795/609

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Oct 1, 2025
Property Address	535 BELL HILL TER, MURPHY, NC 28906-8815
Document Number	001787/130
Book / Page	1787 / 130
Instrument Date	Sep 30, 2025
Instrument	4773
Transaction Type	Transfer
Record Updated	Oct 15, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	495 BELL HILL TER, MURPHY, NC 28906-8814

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	495 BELL HILL TER, MURPHY, NC 28906-8814

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	$612.00	$80,360 (-)	$80,360 (-) Land $15,660 Building $64,700
2023		$80,360	$80,360 Land $15,660 Building $64,700

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	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

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

Wildfire Risk	Moderate above 66% of the US · above 89% of North Carolina
Wildfire Likelihood	0.3% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Peachtree Broadband Fiber Cable	500 / 30
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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