178 Francis Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 178 Francis Dr, Murphy, NC 28906 · Last verified October 2025

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 864 sqft · built 1980
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$684 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`458000192847000`

Property Details

APN / Parcel Number

Primary APN	`458000192847000`
Alternative APN	`440000105349`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Heated Area
Basement Area	864 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	230 ft deep x 109 ft wide
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	440000105349
Street Address	178 FRANCIS DR
City	MURPHY
State	NC
Zip	28906-6175
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SHUEY 592/8 940/121
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1020
Census Tract	930604

Owner

Source: Cherokee County records · APN 458000192847000

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	2 Individual Names on File
Mailing Address	178 FRANCIS DR, MURPHY, NC 28906-6175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2001
Deed Sale	Jul 01, 2001
Deed Document Number	0000005928
Record Updated	Jun 08, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	178 FRANCIS DR, MURPHY, NC 28906-6175
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01573/0146
Date	Nov 01, 2017
Book Page	01573/0146
Instrument	05089

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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	$684.00	$91,320 (-0.64%)	$91,320 (-0.64%) Land $11,220 Building $80,100
2023		$91,910	$91,910 Land $11,220 Building $80,690

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 78% of North Carolina
Wildfire Likelihood	About 1 in 714 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.