65 Running Waters Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 65 Running Waters Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 736 sqft · built 2004
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Oct 2026)
Tax Bill	$1,945 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`551103140649000`

Property Details

APN / Parcel Number

Primary APN	`551103140649000`
Alternative APNs	`53870` `56991` `62898`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	736 sqft Heated Area
Gross Area	2,848 sqft
1st Floor Area	736 sqft
Basement Area	736 sqft
Finished Basement	736 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Architectural Style	A-Frame
Exterior Material	Wood Shingle
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	30,928 sqft (0.71 acres)
Lot Dimensions	175 ft deep x 117 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	608 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	62898
Street Address	65 RUNNING WATERS TRL
City	MURPHY
State	NC
Zip	28906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16-B RICHARD BARNEY BEAVER RIDGE SUB 1707/312
Legal Subdivision	BEAVER RIDGE SUB
Legal Lot Number	16-B
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2013
Census Tract	930501

Owner

Source: Cherokee County records, as of October 20, 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	4180 SUMMIT WAY, MARIETTA, GA 30066-2364
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 22, 2022	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Feb 11, 2021	Intrafamily Transfer, Transfer
Jul 14, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Feb 20, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2026 · Amount on Record
Deed Sale	Oct 5, 2026 · Amount on Record
Prior Sale	May 31, 2024 · Amount on Record
Deed Document Number	20265159
Deed Book / Page	1811 / 571
Prior Transfer Date	Sep 11, 2007
Prior Transfer Doc	01299/0543
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 5, 2026
Property Address	65 RUNNING WATERS TRL, MURPHY, NC 28906
Document Number	0000005159
Book / Page	1811 / 571
Instrument Date	Sep 15, 2026
Instrument	20265159
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005160,
Date	Oct 5, 2026
Book Page	1811/574
Instrument	20265160

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

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

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 22, 2022
Property Address	65 RUNNING WATERS TRL, MURPHY, NC 28906
Document Number	001707/312
Book / Page	1707 / 312
Map Reference	CAB F SL 100A
Instrument Date	Mar 16, 2022
Instrument	1854
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4470 SILVERSMITH CT, 4470, MARIETTA, GA 30062-5774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 STOKESWOOD AVE SE, ATLANTA, GA 30316-2057

Mortgage

Document Number	0001707316
Date	Mar 22, 2022
Instrument	1707/316

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Feb 11, 2021
Property Address	65 RUNNING WATERS TRL, MURPHY, NC 28906
Document Number	001672/461
Book / Page	1672 / 461
Instrument Date	Feb 10, 2021
Instrument	962
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4470 SILVERSMITH CT, MARIETTA, GA 30062-5774

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 14, 2020
Property Address	65 RUNNING WATERS TRL, MURPHY, NC 28906
Document Number	001649/458
Book / Page	1649 / 458
Map Reference	CAB F SL 100A
Instrument Date	Jul 13, 2020
Instrument	3542
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 RUNNING WATERS TRL, MURPHY, NC 28906

Mortgage

Document Number	0001649461
Date	Jul 14, 2020
Instrument	1649/461

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 20, 2020
Property Address	65 RUNNING WATERS TRL, MURPHY, NC 28906
Document Number	001636/760
Book / Page	1636 / 760
Map Reference	CAB F SL 100A
Instrument Date	Feb 18, 2020
Instrument	812
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Tax	$488.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 MARINE ST, 126, SAINT AUGUSTINE, FL 32084-5041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1100, MURPHY, NC 28906-1100

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	$1,945.00	$262,440 (+13.7%)	$262,440 (+13.7%) Land $45,000 Building $217,440
2023		$230,810	$230,810 Land $45,000 Building $185,810

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 100 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 60% of the US · above 82% 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 68 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

Cell Coverage

4G LTE only, no 5G reported

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