104 Tennessee St, Murphy, NC 28906 Property Records

Cherokee County property record for 104 Tennessee St, Murphy, NC 28906

Property Summary

Property Type	Commercial
Details	11,704 sqft · built 1920
Lot Size	0.65 acres (28,314 sqft)
Owner	Company Name on Record
Last Sale	$743,750 (Sep 2021)
Tax Bill	$3,566 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`459210454763000`

Property Details

APN / Parcel Number

Primary APN	`459210454763000`
Alternative APN	`55459`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Units	4 Units
Stories	1 Story
Building Area	11,704 sqft Heated Area
Gross Area	12,403 sqft
1st Floor Area	11,704 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1990
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Type	Wood Truss
Roof Material	Metal
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	208 ft deep x 137 ft wide
Porch	Slab
Porch Area	160 sqft
Deck Area	539 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	55459
Street Address	104 TENNESSEE ST
City	MURPHY
State	NC
Zip	28906-2707
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	GB
Legal Description	LOT 23 & P/O LOT 27 TOWN OF MURPHY 1688/517
Legal Subdivision	MURPHY
Legal Lot Number	23-27
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2044
Census Tract	930402

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	Company Name on Record
Mailing Address	PO BOX 661, MURPHY, NC 28906-0661
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Aug 20, 2021	Warranty Deed, Transfer
Aug 13, 2021	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on Record
Deed Sale	Sep 9, 2021 · Amount on Record
Prior Sale	Aug 13, 2021 · Amount on Record
Deed Document Number	20216032
Deed Book / Page	1690 / 665
Prior Transfer Date	Aug 30, 2021
Prior Transfer Doc	0000006032
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	104 TENNESSEE ST, MURPHY, NC 28906-2707
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 PEACHTREE ST, MURPHY, NC 28906-2911

Mortgage

Document Number	001706/749
Date	Mar 14, 2022
Book Page	1706/749
Instrument	1647

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 14, 2037

Interest

Rate Type	Adjustable Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 20, 2021
Property Address	104 TENNESSEE ST, MURPHY, NC 28906-2707
Document Number	1688/1275
Book / Page	1688 / 1275
Instrument Date	Aug 13, 2021
Instrument	5574
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 661, MURPHY, NC 28906-0661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 661, MURPHY, NC 28906-0661

August 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 13, 2021
Property Address	104 TENNESSEE ST, MURPHY, NC 28906-2707
Document Number	1688/517
Book / Page	1688 / 517
Instrument Date	Aug 12, 2021
Instrument	5411
Transaction Type	Foreclosure
Record Updated	Sep 1, 2021

Transaction

Amount	Amount Recorded
Tax	$850.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 661, MURPHY, NC 28906-0661

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Municipality	Murphy Town
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,566.00	$584,700 (-)	$584,700 (-) Land $167,690 Building $417,010
2023		$584,700	$584,700 Land $167,690 Building $417,010

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Peachtree Broadband Fiber.

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