132 Laurel Oak Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 132 Laurel Oak Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 680 sqft · built 2017
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$93,500 (Sep 2017)
Tax Bill	$719 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`447900380128000`

Property Details

APN / Parcel Number

Primary APN	`447900380128000`
Alternative APN	`46280`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	680 sqft Heated Area
Flooring	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2019
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	49,658 sqft (1.14 acres)
Lot Dimensions	299 ft deep x 159 ft wide
Porch	Open Porch
Porch Area	72 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	46280
Street Address	132 LAUREL OAK LN
City	MURPHY
State	NC
Zip	28906-2450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 CABINS @ WELLS LAKE P/O 1542/808 H/343
Legal Lot Number	5
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1034
Census Tract	930604

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	132 LAUREL OAK LN, MURPHY, NC 28906-2450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Oct 29, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 24, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 23, 2019	Deed of Trust, Mortgage · VA Mortgage SOUTH STATE BANK
Sep 6, 2017	Warranty Deed, Transfer · VA Mortgage PARK STERLING BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2017 · Amount on Record
Deed Sale	Sep 6, 2017 · Amount on Record
Deed Document Number	03961
Deed Book / Page	01568 / 0627
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	132 LAUREL OAK LN, MURPHY, NC 28906-2450
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 LAUREL OAK LN, MURPHY, NC 28906-2450

Mortgage

Document Number	0001791/92
Date	Dec 1, 2025
Book Page	1791/92
Instrument	5824

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	132 LAUREL OAK LN, MURPHY, NC 28906-2450
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1695/158
Date	Oct 29, 2021
Book Page	1695/158
Instrument	7334

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	132 LAUREL OAK LN, MURPHY, NC 28906-2450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1657/747
Date	Sep 24, 2020
Book Page	1657/747
Instrument	5341

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	132 LAUREL OAK LN, MURPHY, NC 28906-2450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01626/0729
Date	Oct 23, 2019
Book Page	01626/0729
Instrument	05091

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 6, 2017
Property Address	132 LAUREL OAK LN, MURPHY, NC 28906-2450
Document Number	01568/0627
Book / Page	01568 / 0627
Instrument Date	Aug 10, 2017
Instrument	03961
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 RITZ RD, 236, MURPHY, NC 28906-6259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 LAUREL OAK LN, MURPHY, NC 28906-2450

Mortgage

Document Number	03982
Date	Sep 6, 2017
Instrument	03982

Lender

Name	PARK STERLING BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$719.00	$96,580 (-)	$96,580 (-) Land $15,000 Building $81,580
2023		$96,580	$96,580 Land $15,000 Building $81,580

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	8 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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Peachtree Broadband Fiber, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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