Cherokee County property record for 168 Terrace Ave, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1960 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Company Name on File |
| Last Sale | $62,000 (Sep 2008) |
| Tax Bill | $677 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jun 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 459215636491000 |
| Primary APN | 459215636491000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Heated Area |
| Interior Walls | Plywood |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.319 acres) |
| Lot Dimensions | 145 ft deep x 124 ft wide |
| Terrain | Mountain |
| Porch | Open Porch |
|---|---|
| Porch Area | 15 sqft |
| Deck Area | 96 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 28097 |
|---|---|
| Street Address | 168 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 MONEYMAKER P/O 1181/471 A/3C |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 930402 |
Source: Cherokee County records · APN 459215636491000
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 579, MURPHY, NC 28906-0579 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 22, 2021 | Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY |
| Jun 29, 2018 | Deed of Trust, Mortgage NANTAHALA BANK & TRUST COMPANY |
| Apr 09, 2020 | Deed of Trust, Mortgage NANTAHALA BANK & TRUST COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 01, 2008 · Amount on Record |
| Deed Sale | Sep 01, 2008 · Amount on Record |
| Deed Document Number | 0001336241 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 168 TERRACE AVE, MURPHY, NC 28906-3228 |
| Transaction Type | Mortgage |
| Record Updated | Jul 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1684/219 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 1684/219 |
| Instrument | 4183 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | MURPHY, NC 28906 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 168 TERRACE AVE, MURPHY, NC 28906-3228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 01590/0701 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 01590/0701 |
| Instrument | 03172 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | MURPHY, NC 28906 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jun 29, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 168 TERRACE AVE, MURPHY, NC 28906-3228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1640/1012 |
|---|---|
| Date | Apr 09, 2020 |
| Book Page | 1640/1012 |
| Instrument | 1810 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | MURPHY, NC 28906 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Apr 09, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Municipality | Murphy Town |
| Unified School District | Cherokee County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $677.00 | $83,190 (-) | $83,190 (-) Land $33,750 Building $49,440 |
| 2023 | $83,190 | $83,190 Land $33,750 Building $49,440 |
Source: FEMA National Flood Hazard Layer as of February 5, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 115 / 7 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| Wilkes Telephone Membership Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: Blue Ridge Mountain Electric Membership, CND Acquisition.
Based on FCC filings for 126 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF MURPHY serves 4,498 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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