860 Holly Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 860 Holly Rd, Murphy, NC 28906 · Last verified July 2026

Property Summary

Property Type	Rural Home
Details	4 bd · 4 ba · 1,968 sqft · built 1983
Lot Size	5.45 acres (237,402 sqft)
Owner	2 Individual Names on File
Last Sale	$297,500 (Nov 2025)
Tax Bill	$1,341 (2025)
Deeds & Mortgages	Nov 2025 Sale Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`455100188707000`

Property Details

APN / Parcel Number

Primary APN	`455100188707000`
Alternative APN	`50282`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,968 sqft Heated Area
Gross Area	3,730 sqft
1st Floor Area	1,296 sqft
Upper Floors Area	672 sqft
Basement Area	756 sqft
Unfinished Basement	1,256 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1998
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	237,402 sqft (5.45 acres)
Lot Dimensions	542 ft deep x 945 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	144 sqft
Deck Area	526 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	50282
Street Address	860 HOLLY RD
City	MURPHY
State	NC
Zip	28906-4903
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR TITUS 765/74
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1006
Census Tract	930603

Owner

Source: Cherokee County records · APN 455100188707000

Assessment roll updated October 10, 2025 · Last verified July 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 File
Mailing Address	860 HOLLY RD, MURPHY, NC 28906-4903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Warranty Deed, Transfer
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Aug 02, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Aug 02, 2019 · Amount on Record
Deed Document Number	20255591
Deed Book / Page	1790 / 300
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 14, 2025
Property Address	860 HOLLY RD, MURPHY, NC 28906-4903
Document Number	001790/300
Book / Page	1790 / 300
Instrument Date	Nov 12, 2025
Instrument	5591
Transaction Type	Transfer
Record Updated	Dec 01, 2025

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	860 HOLLY RD, MURPHY, NC 28906-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 HOLLY RD, MURPHY, NC 28906-4903

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	860 HOLLY RD, MURPHY, NC 28906-4903
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1656/88
Date	Sep 14, 2020
Book Page	1656/88
Instrument	4966

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2035

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 02, 2019
Property Address	860 HOLLY RD, MURPHY, NC 28906-4903
Document Number	01619/0976
Book / Page	01619 / 0976
Instrument Date	Aug 02, 2019
Instrument	03531
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 763, EAST ELLIJAY, GA 30539-0013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 HOLLY RD, MURPHY, NC 28906-4903

Mortgage

Document Number	016190978
Date	Aug 02, 2019
Instrument	01619/0978

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,341.00	$178,200 (-)	$178,200 (-) Land $37,060 Building $141,140
2023		$178,200	$178,200 Land $37,060 Building $141,140

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399306031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	High above 71% of the US · above 93% of North Carolina
Wildfire Likelihood	About 1 in 292 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 7 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Wilkes Telephone Membership	Fixed Wireless (unlicensed)	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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