183 Ray Mar Acres Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 183 Ray Mar Acres Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,224 sqft · built 2007
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,500 (Jun 2019)
Tax Bill	$1,246 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550103211422000`

Property Details

APN / Parcel Number

Primary APN	`550103211422000`
Alternative APN	`49978`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,224 sqft Heated Area
Gross Area	2,872 sqft
1st Floor Area	816 sqft
Upper Floors Area	408 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	234 ft deep x 49 ft wide
Porch	Slab
Porch Area	432 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	49978
Street Address	183 RAY MAR ACRES DR
City	MURPHY
State	NC
Zip	28906-9052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 HIGHLAND ESTATES 1379/817
Legal Subdivision	HIGHLAND ESTATE
Legal Lot Number	15
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2024
Census Tract	930501

Owner

Source: Cherokee County records, as of April 2, 2026

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	183 RAY MAR ACRES DR, MURPHY, NC 28906-9052
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Jun 20, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Prior Sale	Feb 24, 2010 · Amount on Record
Deed Document Number	20192728
Deed Book / Page	1616 / 284
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	183 RAY MAR ACRES DR, MURPHY, NC 28906-9052
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01555/1069
Date	Mar 6, 2017
Book Page	01555/1069
Instrument	00956

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 5, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 20, 2019
Property Address	183 RAY MAR ACRES DR, MURPHY, NC 28906-9052
Document Number	01616/0284
Book / Page	01616 / 0284
Instrument Date	Jun 6, 2019
Instrument	02728
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	848 STONE HOUSE RD, 848, TALLAHASSEE, FL 32301-8547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 281, JOHNSON, NE 68378-0281
Investor	Possibly a Property Investor

Mortgage

Document Number	02729
Date	Jun 20, 2019
Instrument	02729

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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	$1,246.00	$180,370 (-)	$180,370 (-) Land $11,000 Building $169,370
2023		$180,370	$180,370 Land $11,000 Building $169,370

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 60% of the US · above 83% 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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