179 Cobb Cir, Murphy, NC 28906 Property Records

Cherokee County property record for 179 Cobb Cir, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,188 sqft · built 1978
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$102,500 (Jun 2017)
Tax Bill	$779 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`447900831780000`

Property Details

APN / Parcel Number

Primary APN	`447900831780000`
Alternative APN	`45843`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Heated Area
Flooring	Carpet
Interior Walls	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	49,658 sqft (1.14 acres)
Lot Dimensions	286 ft deep x 168 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	240 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	45843
Street Address	179 COBB CIR
City	MURPHY
State	NC
Zip	28906-7108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39B COBB PROP 790/5
Legal Phase	790
Legal Lot Number	39B
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2029
Census Tract	930502

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
Mailing Address	179 COBB CIR, MURPHY, NC 28906-7108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jul 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Jun 21, 2017	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU
Jun 20, 2017	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2017 · Amount on Record
Deed Sale	Jun 21, 2017 · Amount on Record
Deed Document Number	02661
Deed Book / Page	01562 / 1037
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	179 COBB CIR, MURPHY, NC 28906-7108
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001717/122
Date	Jul 25, 2022
Book Page	1717/122
Instrument	4859

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	179 COBB CIR, MURPHY, NC 28906-7108
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001717/699
Date	Jul 29, 2022
Book Page	1717/699
Instrument	4972

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.75%
Index	5-Year CMT
Max Rate	9.75%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 21, 2017
Property Address	179 COBB CIR, MURPHY, NC 28906-7108
Document Number	01562/1037
Book / Page	01562 / 1037
Instrument Date	Jun 19, 2017
Instrument	02661
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 CUMBERLAND LN, 30, MURPHY, NC 28906-2334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 COBB CIR, MURPHY, NC 28906-7108

Mortgage

Document Number	01562/1039
Date	Jun 21, 2017
Book Page	01562/1039
Instrument	02662

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 20, 2017
Property Address	179 COBB CIR, MURPHY, NC 28906-7108
Document Number	01562/1037
Book / Page	01562 / 1037
Instrument Date	Jun 19, 2017
Instrument	02661
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 CUMBERLAND LN, 30, MURPHY, NC 28906-2334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 COBB CIR, MURPHY, NC 28906-7108

Mortgage

Document Number	02662
Date	Jun 20, 2017
Instrument	02662

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

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	$779.00	$105,400 (-)	$105,400 (-) Land $11,500 Building $93,900
2023		$105,400	$105,400 Land $11,500 Building $93,900

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 58% of the US · above 80% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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