65 Hilltop Valley Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 65 Hilltop Valley Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 2021
Lot Size	1.46 acres (63,598 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Feb 2022)
Tax Bill	$1,208 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`457005074686000`

Property Details

APN / Parcel Number

Primary APN	`457005074686000`
Alternative APNs	`50335` `56788`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,056 sqft Heated Area
Gross Area	2,009 sqft
1st Floor Area	1,056 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	63,598 sqft (1.46 acres)
Lot Width	30 ft Width
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	25 sqft
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56788
Street Address	65 HILLTOP VALLEY DR
City	MURPHY
State	NC
Zip	28906-3093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 HILLTOP VALLEY ESTATES P/O 1619/1022
Legal Subdivision	VALLEY ESTATES
Legal Tract	9A
Legal Lot Number	3
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1038
Census Tract	930603

Owner

65 Hilltop Valley Dr is owned and occupied by two individuals who bought it in February 2022.

Source: Cherokee County records, as of May 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 22, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage HAMILTON HOME LOANS INC
May 27, 2021	Warranty Deed, Transfer · VA Mortgage TOWNE MORTGAGE CO
Nov 18, 2020	Warranty Deed, Transfer
Sep 30, 2020	Warranty Deed, Transfer · VA Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2022 · Amount on File
Deed Sale	Feb 22, 2022 · Amount on File
Prior Sale	Sep 17, 2021 · Amount on File
Deed Document Number	20221150
Deed Book / Page	1704 / 1015
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	May 6, 2026
Property Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093
Document Number	0000002193
Book / Page	1800 / 1237
Instrument Date	May 2, 2026
Instrument	20262193
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093

Mortgage

Document Number	0000002193,
Date	May 6, 2026
Book Page	1800/1237
Instrument	20262193

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 22, 2022
Property Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093
Document Number	01704/1015
Book / Page	1704 / 1015
Map Reference	MB 1619 PG 1022
Instrument Date	Feb 3, 2022
Instrument	1150
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 PANTHER TOP RD, 429, MURPHY, NC 28906-7350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1375 PASADENA AVE S LOT 206, 206, SOUTH PASADENA, FL 33707-3732

Mortgage

Document Number	0017041018
Date	Feb 22, 2022
Instrument	1704/1018

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 17, 2021
Property Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093
Document Number	001691/375
Book / Page	1691 / 375
Map Reference	MB 1619 PG 1022
Instrument Date	Aug 25, 2021
Instrument	6260
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 PANTHER TOP RD, 429, MURPHY, NC 28906-7350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 NW 80TH AVE APT 103, 103, MARGATE, FL 33063-4160

Mortgage

Document Number	0001691378
Date	Sep 17, 2021
Instrument	1691/378

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 27, 2021
Property Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093
Document Number	0001682/22
Book / Page	1682 / 22
Instrument Date	Mar 17, 2021
Instrument	3559
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 PANTHER TOP RD, 429, MURPHY, NC 28906-7350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 HILLTOP VALLEY DR, MURPHY, NC 28906-3093

Mortgage

Document Number	0000168226
Date	May 27, 2021
Instrument	1682/26

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 18, 2020
Property Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093
Document Number	01664/1292
Book / Page	1664 / 1292
Instrument Date	Nov 13, 2020
Instrument	7046
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 PANTHER TOP RD, 429, MURPHY, NC 28906-7350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 HILLTOP VALLEY DRIVE, MURPHY, NC 28906-3093

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 30, 2020
Property Address	65 HILLTOP VALLEY DR, MURPHY, NC 28906-3093
Document Number	001658/698
Book / Page	1658 / 698
Instrument Date	Sep 23, 2020
Instrument	5507
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	AFFILIATED TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 PANTHER TOP RD, 429, MURPHY, NC 28906-7350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 HILLTOP VALLEY DRIVE, MURPHY, NC 28906-3093

Mortgage

Document Number	0001658702
Date	Sep 30, 2020
Instrument	1658/702

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 65 Hilltop Valley Dr was $1,208.

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	$1,208.00	$170,940	$170,940 Land $12,000 Building $158,940
2023		$170,940	$170,940 Land $12,000 Building $158,940

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

Flood

FEMA maps place 65 Hilltop Valley Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 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 65 Hilltop Valley Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 75% 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 55 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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