1045 Keener Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 1045 Keener Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,408 sqft · built 1984
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (May 2021)
Tax Bill	$937 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550103140372000`

Property Details

APN / Parcel Number

Primary APN	`550103140372000`
Alternative APN	`54642`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,408 sqft Heated Area
Upper Floors Area	480 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	166 ft deep x 221 ft wide
Porch	Open Porch
Porch Area	400 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54642
Street Address	1045 KEENER RD
City	MURPHY
State	NC
Zip	28906-7280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 GENE SNEED SUB P/O TR 19 BOURNE 1585/499
Legal Subdivision	SNEED SUB
Legal Tract	19
Legal Lot Number	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2028
Census Tract	930501

Owner

Source: Cherokee County records, as of October 9, 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
Co-owner	Co-owner on Record
Mailing Address	1045 KEENER RD, MURPHY, NC 28906-7280
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 19, 2018	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Apr 19, 2018 · Amount on Record
Deed Document Number	3524
Deed Book / Page	1681 / 1328
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 26, 2021
Property Address	1045 KEENER RD, MURPHY, NC 28906-7280
Document Number	1681/1328
Book / Page	1681 / 1328
Instrument Date	May 11, 2021
Instrument	3524
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 KEENER RD, 1045, MURPHY, NC 28906-7280

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 KEENER RD, MURPHY, NC 28906-7280

Mortgage

Document Number	16811330
Date	May 26, 2021
Instrument	1681/1330

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 19, 2018
Property Address	1045 KEENER RD, MURPHY, NC 28906-7280
Document Number	01585/0499
Book / Page	01585 / 0499
Instrument Date	Apr 4, 2018
Instrument	01849
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 KEENER RD, 1045, MURPHY, NC 28906-7280

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 KEENER RD, MURPHY, NC 28906-7280

Mortgage

Document Number	01850
Date	Apr 19, 2018
Instrument	01850

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

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	$937.00	$131,290 (-)	$131,290 (-) Land $11,000 Building $120,290
2023		$131,290	$131,290 Land $11,000 Building $120,290

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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 59% of the US · above 82% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Keener Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures