640 Crews Cove Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 640 Crews Cove Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 2,710 sqft · built 2020
Lot Size	1.68 acres (73,181 sqft)
Owner	2 Individual Names on Record
Last Sale	$15,000 (Oct 2018)
Tax Bill	$2,288 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`459102983083000`

Property Details

APN / Parcel Number

Primary APN	`459102983083000`
Alternative APN	`48544`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,710 sqft Heated Area
Gross Area	5,575 sqft
1st Floor Area	2,033 sqft
Upper Floors Area	677 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asbestos
Lot Area	73,181 sqft (1.68 acres)
Lot Dimensions	286 ft deep x 364 ft wide
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	598 sqft
Deck Area	768 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	48544
Street Address	640 CREWS COVE RD
City	MURPHY
State	NC
Zip	28906-2763
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 5 CREEKSIDE SUB 1429/1020
Legal Subdivision	CREEKSIDE SUB
Legal Lot Number	5
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2035
Census Tract	930501

Owner

Source: Cherokee County records, as of October 13, 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	640 CREWS COVE RD, MURPHY, NC 28906-2763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Aug 20, 2019	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Oct 2, 2018	Warranty Deed, Transfer · Line of Credit CAROLINA FARM CREDIT ACA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2018 · Amount on Record
Deed Sale	Oct 2, 2018 · Amount on Record
Prior Sale	Jun 24, 2010 · Amount on Record
Deed Document Number	20184721
Deed Book / Page	1597 / 140
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	640 CREWS COVE RD, MURPHY, NC 28906-2763
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1692/1431
Date	Oct 6, 2021
Book Page	1692/1431
Instrument	6716

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	640 CREWS COVE RD, MURPHY, NC 28906-2763
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1672/143
Date	Feb 9, 2021
Book Page	1672/143
Instrument	904

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	640 CREWS COVE RD, MURPHY, NC 28906-2763
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01621/0413
Date	Aug 20, 2019
Book Page	01621/0413
Instrument	03856

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	FAYETTEVILLE, GA 30214

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 20, 2020

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 2, 2018
Property Address	640 CREWS COVE RD, MURPHY, NC 28906-2763
Document Number	01597/0140
Book / Page	01597 / 0140
Map Reference	CAB A SL 65A
Instrument Date	Sep 21, 2018
Instrument	04721
Transaction Type	Transfer
Record Updated	Aug 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2125 PINE CREEK BLVD, 2125, VERO BEACH, FL 32966-1396

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 WEST RD, WILLIAMSON, GA 30292-3518

Mortgage

Document Number	04722
Date	Oct 2, 2018
Instrument	04722

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2028

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	$2,288.00	$339,840 (+16.32%)	$339,840 (+16.32%) Land $11,790 Building $328,050
2023		$292,160	$292,160 Land $11,790 Building $280,370

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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	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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30

May also be available: Blue Ridge Mountain EMC, T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Crews Cove Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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