540 Aerial Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 540 Aerial Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,686 sqft · built 1997
Lot Size	2.11 acres (92,347 sqft)
Owner	Individual Name on File
Last Sale	$78,000 (Mar 2020)
Tax Bill	$1,908 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`453300730983000`

Property Details

APN / Parcel Number

Primary APN	`453300730983000`
Alternative APN	`660070089841`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,686 sqft Heated Area
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	92,347 sqft (2.11 acres)
Lot Width	356 ft Width
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	380 sqft
Deck Area	40 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	660070089841
Street Address	540 AERIAL LN
City	MURPHY
State	NC
Zip	28906-7202
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	WIGGINS PROP 798/46
Legal Phase	798
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2015
Census Tract	930606

Owner

540 Aerial Ln, a rural home, is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	540 AERIAL LN, MURPHY, NC 28906-7202
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 15, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 4, 2020	Special Warranty Deed, Transfer · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2020 · Amount on File
Deed Sale	Mar 4, 2020 · Amount on File
Deed Document Number	1152
Deed Book / Page	1638 / 48
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	540 AERIAL LN, MURPHY, NC 28906-7202
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1679/578
Date	Apr 30, 2021
Book Page	1679/578
Instrument	2855

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	540 AERIAL LN, MURPHY, NC 28906-7202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01589/0418
Date	Jun 15, 2018
Book Page	01589/0418
Instrument	02862

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MARBLE, NC 28905

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	540 AERIAL LN, MURPHY, NC 28906-7202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01616/1000
Date	Jun 28, 2019
Book Page	01616/1000
Instrument	02873

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2039

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 4, 2020
Property Address	540 AERIAL LN, MURPHY, NC 28906-7202
Document Number	1638/48
Book / Page	1638 / 48
Instrument Date	Feb 6, 2020
Instrument	1152
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 AERIAL LN, MURPHY, NC 28906-7202

Mortgage

Document Number	163853
Date	Mar 4, 2020
Instrument	1638/53

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 4, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 540 Aerial Ln was $1,908.

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	$1,908.00	$258,650	$258,650 Land $13,260 Building $245,390
2023		$258,650	$258,650 Land $13,260 Building $245,390

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

Flood

FEMA maps place 540 Aerial Ln 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 540 Aerial Ln is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 84% 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 12 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

Cell Coverage

No cell data coverage reported

Nearby Properties on Aerial Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures