550 Bell Hill Ter, Murphy, NC 28906 Property Records

Cherokee County property record for 550 Bell Hill Ter, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1990
Lot Size	0.669 acres (29,185 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (Apr 2017)
Tax Bill	$730 (2025)
Deeds & Mortgages	May 2022 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`455100414947000`

Property Details

APN / Parcel Number

Primary APN	`455100414947000`
Alternative APN	`45467`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,144 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Hip
Roof Material	Asphalt
Lot Area	29,185 sqft (0.669 acres)
Lot Dimensions	184 ft deep x 121 ft wide
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	45467
Street Address	550 BELL HILL TER
City	MURPHY
State	NC
Zip	28906-8815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 SERAPHIN PROP 1305/751
Legal Phase	1305
Legal Lot Number	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2043
Census Tract	930606

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	550 BELL HILL TER, MURPHY, NC 28906-8815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED TRUST BANK
Sep 23, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Apr 19, 2017	Warranty Deed, Transfer · VA Mortgage MORTGAGE FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2017 · Amount on Record
Deed Sale	Apr 19, 2017 · Amount on Record
Prior Sale	Nov 16, 2007 · Amount on Record
Deed Document Number	01658
Deed Book / Page	01558 / 0832
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	550 BELL HILL TER, MURPHY, NC 28906-8815
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001713/204
Date	May 27, 2022
Book Page	1713/204
Instrument	3567

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	550 BELL HILL TER, MURPHY, NC 28906-8815
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1691/1058
Date	Sep 23, 2021
Book Page	1691/1058
Instrument	6372

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 19, 2017
Property Address	550 BELL HILL TER, MURPHY, NC 28906-8815
Document Number	01558/0832
Book / Page	01558 / 0832
Instrument Date	Apr 11, 2017
Instrument	01658
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$178.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18840 RUSTIC WOODS TRL, 18840, ODESSA, FL 33556-5230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 BELL HILL TER, MURPHY, NC 28906-8815

Mortgage

Document Number	01659
Date	Apr 19, 2017
Instrument	01659

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$730.00	$98,270 (-)	$98,270 (-) Land $8,000 Building $90,270
2023		$98,270	$98,270 Land $8,000 Building $90,270

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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