1785 Old Culberson Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 1785 Old Culberson Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,480 sqft · built 1982
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$226,000 (May 2021)
Tax Bill	$1,624 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`446900306724000`

Property Details

APN / Parcel Number

Primary APN	`446900306724000`
Alternative APN	`54564`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,480 sqft Heated Area
Flooring	Combination, Other
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Lot Dimensions	240 ft deep x 30 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	400 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54564
Street Address	1785 OLD CULBERSON RD
City	MURPHY
State	NC
Zip	28906-8143
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR SECU*RE INC 1550/416 1557/130
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2006
Census Tract	930604

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1785 OLD CULBERSON RD, MURPHY, NC 28906-8143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Special Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 27, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Mar 27, 2017 · Amount on Record
Deed Document Number	3223
Deed Book / Page	1680 / 1085
Record Updated	Jun 8, 2026

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 14, 2021
Property Address	1785 OLD CULBERSON RD, MURPHY, NC 28906-8143
Document Number	01680/1085
Book / Page	1680 / 1085
Instrument Date	May 12, 2021
Instrument	3223
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$452.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 27665, RALEIGH, NC 27611-7665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1785 OLD CULBERSON RD, MURPHY, NC 28906-8143

Mortgage

Document Number	0016801094
Date	May 14, 2021
Instrument	1680/1094

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jun 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 27, 2017
Property Address	1785 OLD CULBERSON RD, MURPHY, NC 28906-8143
Document Number	01557/0130
Book / Page	01557 / 0130
Instrument Date	Mar 16, 2017
Instrument	01279
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Tax	$151.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 25279, RALEIGH, NC 27611-5279

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 N SALISBURY ST, RALEIGH, NC 27603-1739
Investor	Possibly a Property Investor

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	$1,624.00	$234,330 (-)	$234,330 (-) Land $13,280 Building $221,050
2023		$234,330	$234,330 Land $13,280 Building $221,050

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	4 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 67% of the US · above 89% of North Carolina
Wildfire Likelihood	0.3% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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