146 Terrace Ave, Murphy, NC 28906 Property Records

Cherokee County property record for 146 Terrace Ave, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1957
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Aug 2019)
Tax Bill	$763 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`459215635477000`

Property Details

APN / Parcel Number

Primary APN	`459215635477000`
Alternative APN	`50287`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Heated Area
Gross Area	1,276 sqft
1st Floor Area	1,020 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2000
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	89 ft deep x 97 ft wide
Terrain	Mountain
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	50287
Street Address	146 TERRACE AVE
City	MURPHY
State	NC
Zip	28906-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FR NORTON 461/146 1594/172 A/3C
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2060
Census Tract	930402

Owner

Source: Cherokee County records, as of October 9, 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 Record
Mailing Address	640 FERGUSON RD, MURPHY, NC 28906-3789
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Aug 22, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on Record
Deed Sale	Aug 2, 2019 · Amount on Record
Prior Sale	Aug 22, 2018 · Amount on Record
Deed Document Number	20193549
Deed Book / Page	1619 / 1063
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 2, 2019
Property Address	146 TERRACE AVE, MURPHY, NC 28906-3228
Document Number	01619/1063
Book / Page	01619 / 1063
Instrument Date	Aug 2, 2019
Instrument	03549
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 TERRACE AVE, 146, MURPHY, NC 28906-3228

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 FERGUSON RD, MURPHY, NC 28906-3789

Mortgage

Document Number	016191066
Date	Aug 2, 2019
Instrument	01619/1066

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 22, 2018
Property Address	146 TERRACE AVE, MURPHY, NC 28906-3228
Document Number	01594/0172
Book / Page	01594 / 0172
Instrument Date	Aug 16, 2018
Instrument	04016
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	896 NEWFOUND RD, 896, LEICESTER, NC 28748-7596

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2215 BUSINESS 19, ANDREWS, NC 28901-8047

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	$763.00	$111,270 (-)	$111,270 (-) Land $45,000 Building $66,270
2023		$111,270	$111,270 Land $45,000 Building $66,270

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
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	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	115 / 7
T-Mobile Fixed Wireless	100 / 20
RiverStreet Networks Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

May also be available: Blue Ridge Mountain EMC, Peachtree Broadband Fiber.

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