78 Goldfinch Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 78 Goldfinch Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,852 sqft · built 2005
Lot Size	2.07 acres (90,169 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Feb 2026)
Tax Bill	$2,162 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2013 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`455002797236000`

Property Details

APN / Parcel Number

Primary APN	`455002797236000`
Alternative APN	`17252`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,852 sqft Heated Area
Gross Area	4,280 sqft
1st Floor Area	2,092 sqft
Upper Floors Area	760 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	90,169 sqft (2.07 acres)
Lot Dimensions	335 ft deep x 166 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	444 sqft
Deck Area	264 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	17252
Street Address	78 GOLDFINCH LN
City	MURPHY
State	NC
Zip	28906-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4-C & 4-E COUNTRY MTN RIDGE 1160/6
Legal Subdivision	COUNTRY MOUNTAIN RIDGE
Legal Lot Number	4-C
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1000
Census Tract	930606

Owner

78 Goldfinch Ln is owned by an individual who bought it in February 2026.

Source: Cherokee County records, as of April 6, 2026

Owner of Record	Individual Name on File
Mailing Address	7 KOBER DR, HAVRE, MT 59501-4349
Owner Type	Individual

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
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK
Mar 1, 2013	Deed of Trust, Mortgage · Conventional Mortgage MACON BANK INC
Jan 16, 2007	Deed of Trust, Mortgage · Conventional Mortgage MACON BANK INC
Mar 28, 2008	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO
May 4, 2006	Deed of Trust, Mortgage · Line of Credit MACON BANK INC
Jun 8, 2007	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST CO
Feb 20, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2026 · Amount on File
Deed Sale	Feb 20, 2026 · Amount on File
Deed Document Number	2026853
Deed Book / Page	1795 / 1509
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	78 GOLDFINCH LN, MURPHY, NC 28906-4720
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01690/1241
Date	Sep 14, 2021
Book Page	1690/1241
Instrument	6141

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	78 GOLDFINCH LN, MURPHY, NC 28906-4720
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01459/0441
Date	Mar 1, 2013
Book Page	1459/0441
Instrument	0993

Lender

Name	MACON BANK INC
Type	Bank
Address	FRANKLIN, NC 28744

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2033

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	78 GOLDFINCH LN, MURPHY, NC 28906-4720
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01268/0891
Date	Jan 16, 2007
Book Page	1268/0891
Instrument	2007-0000441

Lender

Name	MACON BANK INC
Type	Non-Lending Institution
Address	FRANKLIN, NC 28744

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2037

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	78 GOLDFINCH LN, MURPHY, NC 28906-4720
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01319/0586
Date	Mar 28, 2008
Book Page	1319/0586
Instrument	2008-0002041

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2038

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	78 GOLDFINCH LN, MURPHY, NC 28906-4720
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01227/0040
Date	May 4, 2006
Book Page	1227/0040
Instrument	2006-0058808

Lender

Name	MACON BANK INC
Type	Non-Lending Institution
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	78 GOLDFINCH LN, MURPHY, NC 28906-4720
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01287/0090
Date	Jun 8, 2007
Book Page	1287/0090
Instrument	2007-0004415

Lender

Name	NANTAHALA BANK & TRUST CO
Type	Non-Lending Institution
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 20, 2026
Property Address	78 GOLDFINCH LN, MURPHY, NC 28906-4720
Document Number	01795/1509
Book / Page	1795 / 1509
Map Reference	MB 1160 PG 6
Instrument Date	Feb 10, 2026
Instrument	853
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2124 NE 40TH ST, CAPE CORAL, FL 33909-6255

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 KOBER DR, HAVRE, MT 59501-4349

Mortgage

Document Number	0017951514
Date	Feb 20, 2026
Instrument	1795/1514

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2066

Tax Assessment & Valuation

The 2025 property tax bill for 78 Goldfinch Ln was $2,162.

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	$2,162.00	$316,140	$316,140 Land $36,000 Building $280,140
2023		$316,140	$316,140 Land $36,000 Building $280,140

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

Flood

FEMA maps place 78 Goldfinch Ln in Zone X, an area of minimal flood risk.

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	6 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 78 Goldfinch Ln is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Goldfinch Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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