989 Kwali Pass, Murphy, NC 28906 Property Records

Cherokee County property record for 989 Kwali Pass, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,716 sqft · built 1990
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Oct 2018)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`453100520011000`

Property Details

APN / Parcel Number

Primary APN	`453100520011000`
Alternative APN	`48586`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,716 sqft Heated Area
Gross Area	4,408 sqft
1st Floor Area	1,140 sqft
Upper Floors Area	576 sqft
Basement Area	570 sqft
Finished Basement	570 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Lot Dimensions	247 ft deep x 303 ft wide
Garage Type	Mixed
Garage Area	1,290 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	704 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	48586
Street Address	989 KWALI PASS
City	MURPHY
State	NC
Zip	28906-4299
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 SEC 2 INDIAN ROCK SPRS 837/6
Legal Subdivision	INDIAN ROCK SPGS DEV
Legal Lot Number	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	HOTHOUSE
Census Block Group	1
Census Block	1024
Census Tract	930606

Owner

Source: Cherokee County records, as of October 22, 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 Record
Mailing Address	989 KWALI PASS, MURPHY, NC 28906-4299
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
Oct 10, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIME MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2018 · Amount on Record
Deed Sale	Oct 10, 2018 · Amount on Record
Prior Sale	Aug 1, 1998
Deed Document Number	20184854
Deed Book / Page	1597 / 828
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Oct 7, 2026
Property Address	989 KWALI PASS, MURPHY, NC 28906-4299
Document Number	0000005195
Book / Page	1811 / 819
Instrument Date	Oct 2, 2026
Instrument	20265195
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	TITLE FIRST, FIRST SOURCE TITLE AGENCY IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	989 KWALI PASS, MURPHY, NC 28906-4299

Mortgage

Document Number	0000005195,
Date	Oct 7, 2026
Book Page	1811/819
Instrument	20265195

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 10, 2018
Property Address	989 KWALI PASS, MURPHY, NC 28906-4299
Document Number	01597/0828
Book / Page	01597 / 0828
Instrument Date	Oct 5, 2018
Instrument	04854
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	611 PINE BROW TRL, 611, CHATTANOOGA, TN 37421-4597

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32084 WHITE TAIL CT, BRYCEVILLE, FL 32009-2543

Mortgage

Document Number	04855
Date	Oct 10, 2018
Instrument	04855

Lender

Name	PRIME MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$1,590.00	$215,100 (-)	$215,100 (-) Land $9,500 Building $205,600
2023		$215,100	$215,100 Land $9,500 Building $205,600

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	6 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	Moderate above 61% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Peachtree Broadband Fiber Cable	500 / 30

Cell Coverage

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

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