Cherokee County property record for 118 Ashley Ln, Murphy, NC 28906 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Architecture Style | Ranch |
| Year Built | Built 1998 |
| Square Footage | 988 sqft Heated Area |
| Lot Size | 19,602 sqft (0.45 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $1,359.00 (2025) |
| Primary APN | 458220819642000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 988 sqft Heated Area |
| Gross Area | 2,969 sqft Gross Area |
| 1st Floor | 988 sqft 1st Floor |
| Basement Area | 570 sqft Basement |
| Finished Basement | 570 sqft Finished |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch Style |
| Exterior Material | Wood Siding Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 19,602 sqft (0.45 acres) |
| Depth X Width | 194 ft x 103 ft Depth x Width |
| Deck Area | 1,111 sqft Deck |
| Porch Area | 300 sqft Porch |
| Topography | Mountain Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 55512 |
|---|---|
| Street Address | 118 ASHLEY LN |
| City | MURPHY |
| State | NC |
| Zip | 28906-3174 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 7 TR 31 TARHEEL PROP 1638/200 |
| Legal Subdivision | TARHEEL PROPERTY |
| Legal Phase | 1638 |
| Legal Tract | 31 |
| Legal Lot Number | 7 |
| Jurisdiction | CHEROKEE NC |
| Minor Civil Division | MURPHY |
| Census Blockgroup | 3 |
| Census Block | 3006 |
| Census Tract | 930502 |
Source: Cherokee County records · APN 458220819642000
Assessment roll updated October 10, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Aug 17, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Aug 31, 2021 | Intrafamily Transfer, Transfer · Veterans Administration Mortgage LOW VA RATES LLC |
| Mar 21, 2019 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Mar 05, 2020 | Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2021 |
| Deed Sale | Aug 31, 2021 |
| Prior Sale | Mar 05, 2020 · Amount on Record |
| Deed Doc Number | 20215834 |
| Deed Book / Page | 1689 / 1195 |
| Prior Transfer Date | Aug 26, 2021 |
| Prior Transfer Doc | 1689/1195 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Transaction Type | Mortgage |
| Record Updated | Sep 05, 2022 |
| Name | Verified Name |
|---|---|
| Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Document Number | 01718/1168 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 1718/1168 |
| Instrument | 5363 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MURPHY, NC 28906 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 31, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Aug 31, 2021 |
| Property Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Document Number | 1689/1195 |
| Book / Page | 1689 / 1195 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 5834 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Title Company | ELEVATED TITLE LLC, ELEVATED TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Document Number | 16891198 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 1689/1198 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 01609/0183 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 01609/0183 |
| Instrument | 01162 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Feb 26, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Mar 05, 2020 |
| Property Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Document Number | 1638/200 |
| Book / Page | 1638 / 200 |
| Instrument Date | Dec 03, 2019 |
| Instrument | 1212 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $348.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 ASHLEY LN, MURPHY, NC 28906-3174 |
| Document Number | 1638204 |
|---|---|
| Date | Mar 05, 2020 |
| Instrument | 1638/204 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,359.00 | $179,830 (-) | $179,830 (-) Land $26,000 Building $153,830 |
| 2023 | $179,830 | $179,830 Land $26,000 Building $153,830 |
118 Ashley Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Cherokee County (37039C), updated February 5, 2020
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 49th percentile of exposed land nationally · 70th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,075 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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