166 Village Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 166 Village Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 756 sqft · built 1937
Lot Size	0.02 acres (871 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Mar 2021)
Tax Bill	$572 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`455406496154000`

Property Details

APN / Parcel Number

Primary APN	`455406496154000`
Alternative APN	`54069`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	756 sqft Heated Area
Gross Area	880 sqft
1st Floor Area	756 sqft
Flooring	Wood
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	871 sqft (0.02 acres)
Lot Dimensions	20 ft deep x 35 ft wide
Terrain	Mountain
Porch	Slab
Porch Area	84 sqft
Deck Area	40 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	54069
Street Address	166 VILLAGE RD
City	MURPHY
State	NC
Zip	28906-1751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTAGE #113 BEAR PAW 1297/1017
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2039
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	Individual Name on Record
Mailing Address	166 VILLAGE RD, MURPHY, NC 28906-1751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Mar 11, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2021 · Amount on Record
Deed Sale	Mar 11, 2021 · Amount on Record
Prior Sale	Sep 4, 2007 · Amount on Record
Deed Document Number	20211619
Deed Book / Page	1674 / 1023
Prior Transfer Date	Jul 25, 2007
Prior Transfer Doc	1292/0959
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	166 VILLAGE RD, MURPHY, NC 28906-1751
Transaction Type	Mortgage
Record Updated	Mar 22, 2024
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 VILLAGE RD, MURPHY, NC 28906-1751

Mortgage

Document Number	01750/1357
Date	Feb 12, 2024
Book Page	1750/1357
Instrument	605

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	116 PEACHTREE ST, MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 3, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 11, 2021
Property Address	166 VILLAGE RD, MURPHY, NC 28906-1751
Document Number	1674/1023
Book / Page	1674 / 1023
Map Reference	CAB B SL 24
Instrument Date	Mar 5, 2021
Instrument	1619
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 CLEERMONT DR SE, 1300, HUNTSVILLE, AL 35801-1609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 VILLAGE RD, MURPHY, NC 28906-1751

Mortgage

Document Number	16741025
Date	Mar 11, 2021
Instrument	1674/1025

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$572.00	$69,100 (-)	$69,100 (-) Land $12,000 Building $57,100
2023		$69,100	$69,100 Land $12,000 Building $57,100

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 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	BEAR PAW RESORT private · serves 909 people · EPA ID NC0120103
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

Cell Coverage

No cell data coverage reported

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