85 Poor House Mountain Rdg, Murphy, NC 28906 Property Records

Cherokee County property record for 85 Poor House Mountain Rdg, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,616 sqft · built 1989
Lot Size	1.77 acres (77,101 sqft)
Owner	Individual Name on Record
Last Sale	$168,000 (Oct 2015)
Tax Bill	$1,488 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550104738939000`

Property Details

APN / Parcel Number

Primary APN	`550104738939000`
Alternative APN	`42466`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,616 sqft Heated Area
Upper Floors Area	722 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	77,101 sqft (1.77 acres)
Lot Dimensions	158 ft deep x 73 ft wide
Terrain	Mountain
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	42466
Street Address	85 POOR HOUSE MOUNTAIN RDG
City	MURPHY
State	NC
Zip	28906-7057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 102 CHEROKEE HILLS GOLF COURSE PROP 1427/215
Legal Phase	1427
Legal Lot Number	102
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2024
Census Tract	930501

Owner

Source: Cherokee County records, as of October 9, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	85 POOR HOUSE MOUNTAIN RDG, MURPHY, NC 28906-7057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2015 · Amount on Record
Deed Sale	Oct 5, 2015 · Amount on Record
Prior Sale	Dec 21, 2011 · Amount on Record
Deed Document Number	04224
Deed Book / Page	01521 / 0539
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	85 POOR HOUSE MOUNTAIN RDG, MURPHY, NC 28906-7057
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 POOR HOUSE MOUNTAIN RDG, MURPHY, NC 28906-7057

Mortgage

Document Number	001787/646
Date	Oct 6, 2025
Book Page	1787/646
Instrument	4870

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	120 SILER RD, FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	85 POOR HOUSE MOUNTAIN RDG, MURPHY, NC 28906-7057
Transaction Type	Mortgage
Record Updated	May 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1641/834
Date	Apr 20, 2020
Book Page	1641/834
Instrument	1949

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$1,488.00	$195,910 (-)	$195,910 (-) Land $18,000 Building $177,910
2023		$195,910	$195,910 Land $18,000 Building $177,910

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
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 62% of the US · above 85% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 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

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