Cherokee County property record for 904 Mountain Top Dr, Murphy, NC 28906 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 1,398 sqft Heated Area |
| Lot Size | 40,511 sqft (0.93 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $350,000 (2022) |
| Tax Bill | $1,566.00 (2025) |
Source: Cherokee County records · APN 455004627480000
Assessment roll updated January 1, 2025 · Last verified October 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 904 MOUNTAIN TOP DR, MURPHY, NC 28906-9704 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 06, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 06, 2022 · Amount on Record |
| Deed Sale | Sep 06, 2022 · Amount on Record |
| Prior Sale | May 23, 2005 · Amount on Record |
| Deed Doc Number | 5781 |
| Deed Book / Page | 1720 / 60 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 904 MOUNTAIN TOP DR, MURPHY, NC 28906-9704 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01634/0305 |
|---|---|
| Date | Jan 15, 2020 |
| Book Page | 01634/0305 |
| Instrument | 00247 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Sep 06, 2022 |
| Property Address | 904 MOUNTAIN TOP DR, MURPHY, NC 28906-9704 |
| Document Number | 0001720/60 |
| Book / Page | 1720 / 60 |
| Map Reference | CAB E SL 101A |
| Instrument Date | Aug 31, 2022 |
| Instrument | 5781 |
| Transaction Type | Transfer |
| Record Updated | Oct 06, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 912 CHINQUAPIN DR, 912, LYNDHURST, VA 22952-2923 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 904 MOUNTAIN TOP DR, MURPHY, NC 28906-9704 |
| Document Number | 0001720/64 |
|---|---|
| Date | Sep 06, 2022 |
| Book Page | 1720/64 |
| Instrument | 5782 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.4% |
| Type Change Date | Oct 01, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.4% |
| Index | 5-Year CMT |
| Max Rate | 10.4% |
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
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 | $1,566.00 | $225,490 (-) | $225,490 (-) Land $35,000 Building $190,490 |
| 2023 | $225,490 | $225,490 Land $35,000 Building $190,490 |
Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 56% of the US · above 78% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 699 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 455004627480000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,398 sqft Heated Area |
| Upper Floors | 390 sqft Upper Floors |
| Basement Area | 1,008 sqft Basement |
| Finished Basement | 1,008 sqft Finished |
| Stories | 2 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Wood Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Wood Shingle Roof |
| Lot Area | 40,511 sqft (0.93 acres) |
| Depth X Width | 313 ft x 72 ft Depth x Width |
| Deck Area | 396 sqft Deck |
|---|---|
| Patio Area | 396 sqft Patio |
| Porch | Open Porch |
| Porch Area | 576 sqft Porch |
| Topography | Mountain Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 58398 |
|---|---|
| Street Address | 904 MOUNTAIN TOP DR |
| City | MURPHY |
| State | NC |
| Zip | 28906-9704 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PAR 1 NELSON PROP 1158/346 |
| Legal Phase | 1158 |
| Jurisdiction | CHEROKEE NC |
| Minor Civil Division | NOTLA |
| Census Blockgroup | 2 |
| Census Block | 2013 |
| Census Tract | 930605 |
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