1486 Graham Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 1486 Graham Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1992
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Mar 2005)
Tax Bill	$1,491 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`456100144962000`

Property Details

APN / Parcel Number

Primary APN	`456100144962000`
Alternative APN	`31987`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,120 sqft Heated Area
Gross Area	3,236 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Finished Basement	1,120 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	35,719 sqft (0.82 acres)
Lot Dimensions	245 ft deep x 131 ft wide
Terrain	Mountain

Exterior Amenities

Porch	Slab
Porch Area	576 sqft
Deck Area	220 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	31987
Street Address	1486 GRAHAM RD
City	MURPHY
State	NC
Zip	28906-8959
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 PANTHER MOUNTAIN 1147/366
Legal Subdivision	PANTHER MOUNTAIN
Legal Lot Number	11
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1016
Census Tract	930603

Owner

Source: Cherokee County records, as of October 10, 2025

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	1486 GRAHAM RD, MURPHY, NC 28906-8959
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2005 · Amount on Record
Deed Sale	Mar 21, 2005 · Amount on Record
Deed Document Number	200544052
Deed Book / Page	1147 / 366
Last Transfer Date	May 21, 2010
Transfer Doc	1386/0313
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1486 GRAHAM RD, MURPHY, NC 28906-8959
Transaction Type	Mortgage
Record Updated	Oct 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1691/695
Date	Sep 21, 2021
Book Page	1691/695
Instrument	6316

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	1486 GRAHAM RD, MURPHY, NC 28906-8959
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01627/1083
Date	Nov 5, 2019
Book Page	01627/1083
Instrument	05345

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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	$1,491.00	$214,040 (-)	$214,040 (-) Land $25,000 Building $189,040
2023		$214,040	$214,040 Land $25,000 Building $189,040

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	3 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 65% of the US · above 88% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Blue Ridge Mountain EMC, RiverStreet Networks, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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