185 Clate Fain Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 185 Clate Fain Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,480 sqft · built 1965
Lot Size	3.71 acres (161,608 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Jun 2026)
Tax Bill	$885 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`452000048916000`

Property Details

APN / Parcel Number

Primary APN	`452000048916000`
Alternative APN	`56189`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,480 sqft Heated Area
Gross Area	3,590 sqft
1st Floor Area	1,480 sqft
Basement Area	1,350 sqft
Unfinished Basement	1,350 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	161,608 sqft (3.71 acres)
Lot Width	130 ft Width
Garage Type	Carport
Garage Area	320 sqft
Carport	Carport
Carport Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft
Deck Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56189
Street Address	185 CLATE FAIN RD
City	MURPHY
State	NC
Zip	28906-4549
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PAULTON PROP 1625/898 1626/371 D/68B
Legal Subdivision	HENRY G CURTIS AND MARY JANE CURTIS
Legal Phase	1625
Jurisdiction	CHEROKEE NC
Township / Civil Division	HOTHOUSE
Census Block Group	1
Census Block	1019
Census Tract	930606

Owner

Source: Cherokee County records, as of June 16, 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	882 STUART MOUNTAIN RD, MINERAL BLUFF, GA 30559-2205
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · VA Mortgage CENTRAL TRUST BANK
Jan 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Nov 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Oct 18, 2019	Warranty Deed, Transfer
Oct 11, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Oct 11, 2019 · Amount on Record
Deed Document Number	20262674
Deed Book / Page	1802 / 946
Prior Transfer Date	Nov 22, 2021
Prior Transfer Doc	001697/811
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 1, 2026
Property Address	185 CLATE FAIN RD, MURPHY, NC 28906-4549
Document Number	0000002674
Book / Page	1802 / 946
Instrument Date	May 19, 2026
Instrument	20262674
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$66,458.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	882 STUART MOUNTAIN RD, MINERAL BLUFF, GA 30559-2205

Mortgage

Document Number	001802/949,
Date	Jun 1, 2026
Instrument	20262675

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	185 CLATE FAIN RD, MURPHY, NC 28906-4549
Transaction Type	Mortgage
Record Updated	Feb 13, 2023
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001728/505
Date	Jan 26, 2023
Book Page	1728/505
Instrument	333

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Dec 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Nov 29, 2021
Property Address	185 CLATE FAIN RD, MURPHY, NC 28906-4549
Document Number	001697/811
Book / Page	1697 / 811
Map Reference	CAB D SL 68B
Instrument Date	Nov 22, 2021
Instrument	7965
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7234 13TH ST N, SAINT PETERSBURG, FL 33702-5730

Mortgage

Document Number	0001697814
Date	Nov 29, 2021
Instrument	1697/814

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 18, 2019
Property Address	185 CLATE FAIN RD, MURPHY, NC 28906-4549
Document Number	01626/0371
Book / Page	01626 / 0371
Map Reference	CAB D SL 68B
Instrument Date	Oct 14, 2019
Instrument	05013
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 81, DALTON, GA 30722-0081

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7234 13TH ST N, SAINT PETERSBURG, FL 33702-5730

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 11, 2019
Property Address	185 CLATE FAIN RD, MURPHY, NC 28906-4549
Document Number	01625/0898
Book / Page	01625 / 0898
Instrument Date	Oct 3, 2019
Instrument	04900
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 81, DALTON, GA 30722-0081

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7234 13TH ST N, SAINT PETERSBURG, FL 33702-5730

Mortgage

Document Number	016250901
Date	Oct 11, 2019
Instrument	01625/0901

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	$885.00	$114,290 (-)	$114,290 (-) Land $21,950 Building $92,340
2023		$114,290	$114,290 Land $21,950 Building $92,340

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	6 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 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.1% 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 28 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

Cell Coverage

No cell data coverage reported

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