97 Lake Wood Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 97 Lake Wood Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 720 sqft · built 2021
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Apr 2024)
Tax Bill	$924 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`455300413890000`

Property Details

APN / Parcel Number

Primary APN	`455300413890000`
Alternative APNs	`54367` `62669`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	720 sqft Heated Area
Upper Floors Area	200 sqft
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	39,640 sqft (0.91 acres)
Lot Dimensions	211 ft deep x 249 ft wide
Porch	Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	62669
Street Address	97 LAKE WOOD RD
City	MURPHY
State	NC
Zip	28906-2507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 LAKEWOOD COVE PH 1 1678/1217
Legal Phase	1
Legal Lot Number	6
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1042
Census Tract	930603

Owner

97 Lake Wood Rd is owned by two individuals who bought it in April 2024.

Source: Cherokee County records, as of October 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	17468 DUDLEY AVE, PORT CHARLOTTE, FL 33954-1603
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY
Mar 3, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Mar 3, 2020 · Amount on File
Deed Document Number	0000088698
Prior Transfer Date	Apr 23, 2021
Prior Transfer Doc	2715
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	97 LAKE WOOD RD, MURPHY, NC 28906
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17468 DUDLEY AVE, PORT CHARLOTTE, FL 33954-1603

Mortgage

Document Number	01755/1311
Date	Apr 30, 2024
Book Page	1755/1311
Instrument	2038

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 23, 2021
Property Address	97 LAKE WOOD RD, MURPHY, NC 28906-2507
Document Number	01678/1217
Book / Page	1678 / 1217
Map Reference	CAB H SL 354
Instrument Date	Apr 9, 2021
Instrument	2715
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$30.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 SAWYERS CV, 112, MURPHY, NC 28906-0299

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3311 ALLEGHENY DR, MARIETTA, GA 30066-4448

Mortgage

Document Number	0016781220
Date	Apr 23, 2021
Instrument	1678/1220

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 3, 2020
Property Address	97 LAKE WOOD RD, MURPHY, NC 28906-2507
Document Number	001637/888
Book / Page	1637 / 888
Map Reference	MB 886 PG 98
Instrument Date	Feb 26, 2020
Instrument	1057
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$25.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 LIBERTY LN, 700, MURPHY, NC 28906-1892

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3814

Tax Assessment & Valuation

The 2025 property tax bill for 97 Lake Wood Rd was $924.

Source: Cherokee County assessment roll, as of January 1, 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	$924.00	$119,080	$119,080 Land $15,000 Building $104,080
2023		$118,980	$118,980 Land $15,000 Building $103,980

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 97 Lake Wood Rd 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

Wildfire risk around 97 Lake Wood Rd 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 38 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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