Cherokee County property record for 9640 Hwy 294, Murphy, NC 28906
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 1985 |
| Lot Size | 5.5 acres (239,580 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,527 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 453300197561000 |
| Primary APN | 453300197561000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,560 sqft Heated Area |
| Basement Area | 1,240 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 239,580 sqft (5.5 acres) |
| Lot Width | 204 ft Width |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 220 sqft |
| Shed | 1 Shed |
| Shed Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 660070096094 |
|---|---|
| Street Address | 9640 HIGHWAY 294 |
| City | MURPHY |
| State | NC |
| Zip | 28906-1866 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | POWELL/JONES/VERNER 495/96 869/85 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | SHOAL CREEK |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 930603 |
9640 Hwy 294, a rural home, is owned and occupied by two individuals who acquired it in June 1999.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9640 HIGHWAY 294, MURPHY, NC 28906-1866 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 1999 |
| Deed Sale | Jun 1, 1999 |
| Deed Document Number | 0000061735 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 9640 HIGHWAY 294, MURPHY, NC 28906-1866 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 01623/0815 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 01623/0815 |
| Instrument | 04439 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2025 property tax bill for 9640 Hwy 294 was $1,527.
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,527.00 | $204,580 | $204,580 Land $24,450 Building $180,130 |
| 2023 | $179,270 | $179,270 Land $24,450 Building $154,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9640 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 | 3 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 risk around 9640 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| RiverStreet Networks Fixed Wireless | 25 / 3 |
No cell data coverage reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures