901 Hwy 294, Murphy, NC 28906 Property Records

Cherokee County property record for 901 Hwy 294, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,420 sqft · built 1953
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (May 2022)
Tax Bill	$892 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`456100000359000`

Property Details

APN / Parcel Number

Primary APN	`456100000359000`
Alternative APNs	`38856` `57448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,420 sqft Heated Area
Gross Area	2,178 sqft
1st Floor Area	1,420 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1993
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Lot Width	197 ft Width
Garage Type	Carport
Garage Area	378 sqft
Carport	Carport
Carport Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	140 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	57448
Street Address	901 HIGHWAY 294
City	MURPHY
State	NC
Zip	28906-7972
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR WATKINS 1481/135
Legal Phase	1311
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1000
Census Tract	930606

Owner

901 Hwy 294, a rural home, is owned and occupied by two individuals who bought it in May 2022.

Source: Cherokee County records, as of October 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	901 HIGHWAY 294, MURPHY, NC 28906-7972
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 17, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP
Mar 6, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2022 · Amount on File
Deed Sale	May 17, 2022 · Amount on File
Prior Sale	May 22, 2013 · Amount on File
Deed Document Number	20223276
Deed Book / Page	1712 / 177
Prior Transfer Date	Dec 3, 2013
Prior Transfer Doc	1481/0135
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 17, 2022
Property Address	901 HIGHWAY 294, MURPHY, NC 28906-7972
Document Number	001712/177
Book / Page	1712 / 177
Instrument Date	Apr 19, 2022
Instrument	3276
Transaction Type	Transfer
Record Updated	Jun 6, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	885 HIGHWAY 294, 885, MURPHY, NC 28906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	901 HIGHWAY 294, MURPHY, NC 28906-7972

Mortgage

Document Number	0001712179
Date	May 17, 2022
Instrument	1712/179

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	901 HIGHWAY 294, MURPHY, NC 28906-7972
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01555/1057
Date	Mar 6, 2017
Book Page	01555/1057
Instrument	00953

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 901 Hwy 294 was $892.

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	$892.00	$122,870	$122,870 Land $9,120 Building $113,750
2023		$122,870	$122,870 Land $9,120 Building $113,750

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

Flood

FEMA maps place 901 Hwy 294 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 901 Hwy 294 is moderate, ranking above 62% 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 62% of the US · above 84% 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 32 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
Starlink Satellite	280 / 30

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Hwy 294

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