980 Radford Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 980 Radford Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 896 sqft · built 1988
Lot Size	4.14 acres (180,338 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Oct 2019)
Tax Bill	$1,799 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`454200412436000`

Property Details

APN / Parcel Number

Primary APN	`454200412436000`
Alternative APNs	`50663` `56534`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	896 sqft Heated Area
Gross Area	4,458 sqft
1st Floor Area	896 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Metal
Lot Area	180,338 sqft (4.14 acres)
Lot Dimensions	592 ft deep x 163 ft wide
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch
Deck Area	448 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56534
Street Address	980 RADFORD RD
City	MURPHY
State	NC
Zip	28906-7239
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HOLLOWAY PROP 1488/547 1624/1000
Legal Phase	1488
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2020
Census Tract	930606

Owner

Source: Cherokee County records, as of October 10, 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 Record
Mailing Address	980 RADFORD RD, MURPHY, NC 28906-7239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage POLARIS HOME LOANS LLC
Jan 6, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Sep 3, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 1, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Nov 20, 2013
Deed Document Number	20194704
Deed Book / Page	1624 / 1000
Last Transfer Date	Jan 7, 2022
Transfer Doc	001701/619
Record Updated	Jun 8, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Jan 13, 2022
Property Address	980 RADFORD RD, MURPHY, NC 28906-7239
Document Number	001701/619
Book / Page	1701 / 619
Instrument Date	Jan 7, 2022
Instrument	231
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

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
Relationship	Tenants in Severalty
Address	980 RADFORD RD, MURPHY, NC 28906-7239

Mortgage

Document Number	0001701623
Date	Jan 13, 2022
Instrument	1701/623

Lender

Name	POLARIS HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	980 RADFORD RD, MURPHY, NC 28906-7239
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1669/1
Date	Jan 6, 2021
Book Page	1669/1
Instrument	79

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	980 RADFORD RD, MURPHY, NC 28906-7239
Transaction Type	Mortgage
Record Updated	Sep 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01622/0572
Date	Sep 3, 2019
Book Page	01622/0572
Instrument	04109

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	443 Months
Due	Aug 19, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 1, 2019
Property Address	980 RADFORD RD, MURPHY, NC 28906-7239
Document Number	01624/1000
Book / Page	01624 / 1000
Instrument Date	Sep 11, 2019
Instrument	04704
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	980 RADFORD RD, 980, MURPHY, NC 28906-7239

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 993, ANDREWS, NC 28901-0993

Mortgage

Document Number	04705
Date	Oct 1, 2019
Instrument	04705

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

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	$1,799.00	$243,170 (+10.9%)	$243,170 (+10.9%) Land $28,150 Building $215,020
2023		$219,270	$219,270 Land $28,150 Building $191,120

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 · 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	4 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

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

Wildfire Risk	High above 71% of the US · above 93% of North Carolina
Wildfire Likelihood	0.3% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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