Cherokee County property record for 16 Ralph Kephart Dr, Murphy, NC 28906
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,728 sqft · built 1985 |
| Lot Size | 3.79 acres (165,092 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $980 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Feb 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 459500936700000 |
| Primary APN | 459500936700000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,728 sqft Heated Area |
| Gross Area | 2,064 sqft |
| 1st Floor Area | 1,728 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 165,092 sqft (3.79 acres) |
| Lot Dimensions | 452 ft deep x 744 ft wide |
| Porch | Slab |
| Porch Area | 336 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 58169 |
|---|---|
| Street Address | 16 RALPH KEPHART DR |
| City | MURPHY |
| State | NC |
| Zip | 28906-7498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | BROWN PROP 853/183 903/96 |
| Legal Phase | 853 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 930300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 RALPH KEPHART DR, MURPHY, NC 28906-7498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK |
| Feb 7, 2025 | Intrafamily Transfer, Transfer |
| Aug 2, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2000 |
| Deed Sale | Jul 1, 2000 |
| Deed Book / Page | 903 / 96 |
| Last Transfer Date | Feb 7, 2025 |
| Transfer Doc | 001772/587 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 16 RALPH KEPHART DR, MURPHY, NC 28906-7498 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 01776/1181 |
|---|---|
| Date | Apr 25, 2025 |
| Book Page | 1776/1181 |
| Instrument | 1840 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | 238 MADISON ST, JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 12.6% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 12.6% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Feb 7, 2025 |
| Property Address | 16 RALPH KEPHART DR, MURPHY, NC 28906-7498 |
| Document Number | 001772/587 |
| Book / Page | 1772 / 587 |
| Instrument Date | Feb 7, 2025 |
| Instrument | 536 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 RALPH KEPHART DR, MURPHY, NC 28906-7498 |
| Name | Verified Name |
|---|---|
| Address | 16 RALPH KEPHART DR, MURPHY, NC 28906-7498 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Aug 2, 2022 |
| Property Address | 16 RALPH KEPHART DR, MURPHY, NC 28906-7498 |
| Document Number | 01717/1086 |
| Book / Page | 1717 / 1086 |
| Instrument Date | Jul 26, 2022 |
| Instrument | 5040 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1924 OWL CREEK RD, MURPHY, NC 28906-7504 |
| Name | Verified Name |
|---|---|
| Address | 1924 OWL CREEK RD, MURPHY, NC 28906-7504 |
Source: Cherokee County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $980.00 | $133,810 (-) | $133,810 (-) Land $24,830 Building $108,980 |
| 2023 | $133,810 | $133,810 Land $24,830 Building $108,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 87% 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.
Source: FCC Broadband Data Collection, based on 13 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 |
No cell data coverage reported
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