97 Farmers Top, Murphy, NC 28906 Property Records

Cherokee County property record for 97 Farmers Top, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,484 sqft · built 2004
Lot Size	1.56 acres (67,954 sqft)
Owner	2 Company Names on Record
Last Sale	$251,000 (Mar 2005)
Tax Bill	$1,778 (2025)
Deeds & Mortgages	Nov 2025 Transfer Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`458211660840000`

Property Details

APN / Parcel Number

Primary APN	`458211660840000`
Alternative APN	`39173`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,484 sqft Heated Area
Gross Area	5,595 sqft
1st Floor Area	1,064 sqft
Upper Floors Area	420 sqft
Basement Area	420 sqft
Finished Basement	644 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,954 sqft (1.56 acres)
Lot Dimensions	200 ft deep x 305 ft wide
Terrain	Mountain
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	481 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	39173
Street Address	97 FARMERS TOP
City	MURPHY
State	NC
Zip	28906-7164
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P/O LOT 525-6 TARHEEL NORTH 1145/429
Legal Subdivision	TARHEEL NORTH
Legal Lot Number	525-6
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	3
Census Block	3009
Census Tract	930502

Owner

Source: Cherokee County records, as of November 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	97 FARMERS TOP, MURPHY, NC 28906-7164
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Intrafamily Transfer, Transfer
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 7, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage HARRIET PAVIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2005 · Amount on Record
Deed Sale	Mar 8, 2005 · Amount on Record
Deed Document Number	200543678
Deed Book / Page	1145 / 429
Last Transfer Date	Sep 17, 2025
Transfer Doc	001789/636
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Nov 4, 2025
Property Address	97 FARMERS TOP, MURPHY, NC 28906-7164
Document Number	001789/636
Book / Page	1789 / 636
Instrument Date	Sep 17, 2025
Instrument	5400
Transaction Type	Transfer
Record Updated	Nov 13, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 FARMERS TOP, MURPHY, NC 28906-7164

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	97 FARMERS TOP, MURPHY, NC 28906-7164
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 FARMERS TOP, MURPHY, NC 28906-7164

Mortgage

Document Number	01674/1085
Date	Mar 12, 2021
Book Page	1674/1085
Instrument	1630

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 23, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	97 FARMERS TOP, MURPHY, NC 28906-7164
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 FARMERS TOP, MURPHY, NC 28906-7164

Mortgage

Document Number	001727/897
Date	Jan 9, 2023
Book Page	1727/897
Instrument	87

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 7, 2022
Property Address	97 FARMERS TOP, MURPHY, NC 28906-7164
Document Number	001716/242
Book / Page	1716 / 242
Map Reference	CAB E SL 165A
Instrument Date	Jul 7, 2022
Instrument	4517
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6372 SEYMOUR PL NW, ACWORTH, GA 30101-8063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 FARMERS TOP, MURPHY, NC 28906-7164

Mortgage

Document Number	0001716245
Date	Jul 7, 2022
Instrument	1716/245

Lender

Name	HARRIET PAVIS
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Jan 1, 2023

Tax Assessment & Valuation

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	$1,778.00	$264,480 (+1.93%)	$264,480 (+1.93%) Land $26,000 Building $238,480
2023		$259,480	$259,480 Land $26,000 Building $233,480

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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