155 Jim Kephart Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 155 Jim Kephart Dr, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,496 sqft · built 2005
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Dec 2017)
Tax Bill	$1,561 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`458400938039000`

Property Details

APN / Parcel Number

Primary APN	`458400938039000`
Alternative APN	`46906`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,496 sqft Heated Area
Basement Area	884 sqft
Finished Basement	884 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,556 sqft (2.01 acres)
Lot Width	281 ft Width
Terrain	Mountain
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	704 sqft
Patio Area	880 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	46906
Street Address	155 JIM KEPHART DR
City	MURPHY
State	NC
Zip	28906-7590
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR STILES STARK & PYEATT P/O 1521/944
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1026
Census Tract	930300

Owner

Source: Cherokee County records, as of October 9, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	155 JIM KEPHART DR, MURPHY, NC 28906-7590
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2017	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Sep 14, 2020	Deed of Trust, Mortgage · VA Mortgage TRUIST BANK
Dec 11, 2017	Warranty Deed, Transfer · VA Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on Record
Deed Sale	Dec 11, 2017 · Amount on Record
Deed Document Number	05744
Deed Book / Page	01576 / 0153
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	155 JIM KEPHART DR, MURPHY, NC 28906-7590
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01570/0125
Date	Sep 27, 2017
Book Page	01570/0125
Instrument	04344

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	155 JIM KEPHART DR, MURPHY, NC 28906-7590
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1656/68
Date	Sep 14, 2020
Book Page	1656/68
Instrument	4965

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 11, 2017
Property Address	155 JIM KEPHART DR, MURPHY, NC 28906-7590
Document Number	01576/0153
Book / Page	01576 / 0153
Map Reference	MB 1521 PG 944
Instrument Date	Nov 20, 2017
Instrument	05744
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	155 JIM KEPHART DR, MURPHY, NC 28906-7590

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GAMECOCK CIR, DALZELL, SC 29040-9734

Mortgage

Document Number	0000005745
Date	Dec 11, 2017
Instrument	05745

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$1,561.00	$220,660 (-3.08%)	$220,660 (-3.08%) Land $22,710 Building $197,950
2023		$227,670	$227,670 Land $22,710 Building $204,960

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	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

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	High above 73% of the US · above 94% of North Carolina
Wildfire Likelihood	0.4% 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 11 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

Cell Coverage

5G (outdoors only) and 4G LTE

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