194 Caddie Cir, Murphy, NC 28906 Property Records

Cherokee County property record for 194 Caddie Cir, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,668 sqft · built 1984
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (May 2019)
Tax Bill	$1,719 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550102664791000`

Property Details

APN / Parcel Number

Primary APN	`550102664791000`
Alternative APN	`49806`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,668 sqft Heated Area
Basement Area	380 sqft
Finished Basement	598 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,984 sqft (1.4 acres)
Lot Dimensions	264 ft deep x 140 ft wide
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	176 sqft
Deck Area	472 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	49806
Street Address	194 CADDIE CIR
City	MURPHY
State	NC
Zip	28906-9021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK D MULKEY HOMESITES 1487/496
Legal Block	D
Legal Lot Number	3
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2020
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	194 CADDIE CIR, MURPHY, NC 28906-9021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 20, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Prior Sale	Apr 4, 2014
Deed Document Number	02174
Deed Book / Page	01613 / 0855
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	194 CADDIE CIR, MURPHY, NC 28906-9021
Transaction Type	Mortgage
Record Updated	Jul 11, 2022
Title Company	2020 TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01714/1160
Date	Jun 17, 2022
Book Page	1714/1160
Instrument	4066

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 20, 2019
Property Address	194 CADDIE CIR, MURPHY, NC 28906-9021
Document Number	01613/0855
Book / Page	01613 / 0855
Instrument Date	May 16, 2019
Instrument	02174
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 GREENWAY LN, 54, MURPHY, NC 28906-7089

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 CADDIE CIR, MURPHY, NC 28906-9021

Mortgage

Document Number	02175
Date	May 20, 2019
Instrument	02175

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
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	$1,719.00	$230,530 (+2.66%)	$230,530 (+2.66%) Land $11,500 Building $219,030
2023		$224,550	$224,550 Land $11,500 Building $213,050

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
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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 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.

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