178 Sunnie Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 178 Sunnie Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,060 sqft · built 1991
Lot Size	5.63 acres (245,243 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Aug 2004)
Tax Bill	$1,929 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550101270485000`

Property Details

APN / Parcel Number

Primary APN	`550101270485000`
Alternative APN	`13843`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,060 sqft Heated Area
Upper Floors Area	720 sqft
Basement Area	800 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	245,243 sqft (5.63 acres)
Lot Width	271 ft Width
Garage Area	1,980 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	100 sqft
Deck Area	1,363 sqft
Patio Area	536 sqft
Shed	1 Shed
Shed Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	13843
Street Address	178 SUNNIE LN
City	MURPHY
State	NC
Zip	28906-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 2 & 5 MIDWAY ESTATES 1113/737
Legal Subdivision	MIDWAY ESTATES
Legal Lot Number	1-5
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2035
Census Tract	930501

Owner

Source: Cherokee County records, as of October 9, 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 Record
Mailing Address	178 SUNNIE LN, MURPHY, NC 28906-8000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR FINANCIAL CORP
Feb 5, 2019	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2004 · Amount on Record
Deed Sale	Aug 1, 2004 · Amount on Record
Deed Document Number	0000061430
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	178 SUNNIE LN, MURPHY, NC 28906-8000
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 SUNNIE LN, MURPHY, NC 28906-8000

Mortgage

Document Number	001730/969
Date	Mar 7, 2023
Book Page	1730/969
Instrument	1040

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	178 SUNNIE LN, MURPHY, NC 28906-8000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01553/0154
Date	Jan 18, 2017
Book Page	01553/0154
Instrument	00240

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	178 SUNNIE LN, MURPHY, NC 28906-8000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC OMAHA OFF

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01606/0446
Date	Feb 5, 2019
Book Page	01606/0446
Instrument	00535

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 10, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,929.00	$286,430 (-)	$286,430 (-) Land $24,900 Building $261,530
2023		$286,430	$286,430 Land $24,900 Building $261,530

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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 57% of the US · above 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier, Peachtree Broadband Fiber, RiverStreet Networks, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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