97 Concord Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 97 Concord Trl, Murphy, NC 28906 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1999
Square Footage	1,344 sqft Heated Area
Lot Size	104,544 sqft (2.4 acres)
Occupancy	Owner Occupied
Last Sale	$284,000 (2026)
Tax Bill	$978.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`457300944380000`
Alternative APN	`44512`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Heated Area
Gross Area	2,200 sqft Gross Area
1st Floor	1,344 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Combination, Other Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	104,544 sqft (2.4 acres)
Deck Area	496 sqft Deck
Porch Area	360 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	44512
Street Address	97 CONCORD TRL
City	MURPHY
State	NC
Zip	28906-5854
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	TR 1-B GRAPE CREEK EST 1518/344
Legal Subdivision	GRAPE CREEK EST
Legal Tract	1
Jurisdiction	CHEROKEE NC
Minor Civil Division	MURPHY
Census Blockgroup	1
Census Block	1116
Census Tract	930300

Owner

Source: Cherokee County records · APN 457300944380000

Assessment roll updated October 10, 2025 · Last verified June 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	97 CONCORD TRL, MURPHY, NC 28906-5854
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Apr 01, 2025 · Amount on Record
Deed Doc Number	20262412
Deed Book / Page	1801 / 959
Record Refreshed	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 18, 2026
Property Address	97 CONCORD TRL, MURPHY, NC 28906-5854
Document Number	0000002412
Book / Page	1801 / 959
Instrument Date	May 14, 2026
Instrument	20262412
Transaction Type	Transfer
Record Updated	Jun 01, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$57,368.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	97 CONCORD TRL, MURPHY, NC 28906-5854

Mortgage

Document Number	001801/963,
Date	May 18, 2026
Instrument	20262413

Lender

Name	SOUTHEAST MORTGAGE/GA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified June 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$978.00	$133,370 (-)	$133,370 (-) Land $17,550 Building $115,820
2023		$133,370	$133,370 Land $17,550 Building $115,820

Flood & Wildfire

97 Concord Trl is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Cherokee County (37039C), updated February 5, 2020

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 69th percentile of exposed land nationally · 91st in North Carolina
Wildfire Likelihood	High — about 1 in 322 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.