572 Mountain Top Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 572 Mountain Top Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,088 sqft · built 1994
Lot Size	16.2 acres (706,543 sqft)
Owner	2 Individual Names on Record
Last Sale	$840 (May 2022)
Tax Bill	$3,876 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`455004834308000`

Property Details

APN / Parcel Number

Primary APN	`455004834308000`
Alternative APN	`48693`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,088 sqft Heated Area
Gross Area	4,647 sqft
1st Floor Area	1,420 sqft
Upper Floors Area	668 sqft
Basement Area	588 sqft
Finished Basement	1,336 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	706,543 sqft (16.2 acres)
Lot Width	675 ft Width
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	1,140 sqft
Patio Area	234 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	48693
Street Address	572 MOUNTAIN TOP DR
City	MURPHY
State	NC
Zip	28906-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-B & THE SUMMIT DICKEY MOUNTAIN EST
Legal Subdivision	DICKEY MOUNTAIN EST
Legal Lot Number	1-B
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2013
Census Tract	930605

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	12780 MOSSY BEND CIR, FORT MYERS, FL 33905-3825
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
May 6, 2022	Warranty Deed, Construction Loan · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 29, 2018	Warranty Deed, Transfer · ARM BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Oct 29, 2018 · Amount on Record
Deed Document Number	20222989
Deed Book / Page	1711 / 252
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	572 MOUNTAIN TOP DR, MURPHY, NC 28906-4015
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001668/618
Date	Dec 23, 2020
Book Page	1668/618
Instrument	8166

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	572 MOUNTAIN TOP DR, MURPHY, NC 28906-4015
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12780 MOSSY BEND CIR, FORT MYERS, FL 33905-3825

Mortgage

Document Number	001714/502
Date	Jun 13, 2022
Book Page	1714/502
Instrument	3931

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 6, 2022
Property Address	572 MOUNTAIN TOP DR, MURPHY, NC 28906-4015
Document Number	001711/252
Book / Page	1711 / 252
Instrument Date	Mar 10, 2022
Instrument	2989
Transaction Type	Construction Loan
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12780 MOSSY BEND CIR, FORT MYERS, FL 33905-3825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 JACKSON DR, OWOSSO, MI 48867-1993

Mortgage

Document Number	0001711255
Date	May 6, 2022
Instrument	1711/255

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 29, 2018
Property Address	572 MOUNTAIN TOP DR, MURPHY, NC 28906-4015
Document Number	01599/0081
Book / Page	01599 / 0081
Instrument Date	Oct 24, 2018
Instrument	05201
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3386 CAVERNS RD, MARIANNA, FL 32446-1846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15042 SW 17TH ST, DAVIE, FL 33326-2043

Mortgage

Document Number	0000005202
Date	Oct 29, 2018
Instrument	05202

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

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	$3,876.00	$564,140 (+64.16%)	$564,140 (+64.16%) Land $105,590 Building $458,550
2023		$343,650	$343,650 Land $100,560 Building $243,090

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	7 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 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.1% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Blue Ridge Mountain EMC.

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