12660 Murphy Rd, Franklin, NC 28734 Property Records

Macon County property record for 12660 Murphy Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1998
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$1,309 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6532504246`

Property Details

APN / Parcel Number

Primary APN	`6532504246`
Alternative APNs	`0832863` `64787`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,980 sqft Heated Area
1st Floor Area	1,380 sqft
Upper Floors Area	600 sqft
Basement Area	1,380 sqft
Unfinished Basement	1,380 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling
Porch	Patio
Porch Area	588 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	64787
Street Address	12660 MURPHY RD
City	FRANKLIN
State	NC
Zip	28734-8140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	ON U S 64
Jurisdiction	MACON NC
Township / Civil Division	CARTOOGECHAYE
Census Block Group	5
Census Block	5022
Census Tract	970700

Owner

Source: Macon County records, as of October 6, 2026

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	12660 MURPHY RD, FRANKLIN, NC 28734-8140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 1997
Deed Sale	Dec 30, 1997
Deed Book / Page	22 / 188
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	12660 MURPHY RD, FRANKLIN, NC 28734-8140
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000C44/873
Date	Dec 5, 2025
Book Page	C-44/873
Instrument	2025007468

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	12660 MURPHY RD, FRANKLIN, NC 28734-8140
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I41/1
Date	Oct 12, 2021
Book Page	I-41/1
Instrument	2021009697

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	FRANKLIN, NC 28744

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	12660 MURPHY RD, FRANKLIN, NC 28734-8140
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A40/1684
Date	Jul 13, 2020
Book Page	A-40/1684
Instrument	2020004657

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,309.00	$373,090 (-) Land $55,000 Building $318,090	$373,090 (-) Land $55,000 Building $318,090
2025	$1,309.00 (+1%)	$373,090 (+0.03%) Land $55,000 Building $318,090	$373,090 (+0.03%) Land $55,000 Building $318,090
2023	$1,296.00	$372,990 Land $55,000 Building $317,990	$372,990 Land $55,000 Building $317,990

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 November 8, 2018 · 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
Nearby Flood Policies	2 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 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.09% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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