195 Kates Cove Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 195 Kates Cove Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 680 sqft · built 2018
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Nov 2021)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`458003145082000`

Property Details

APN / Parcel Number

Primary APN	`458003145082000`
Alternative APN	`56077`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	680 sqft Heated Area
Basement Area	340 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	250 ft deep x 168 ft wide
Porch	Open Porch
Porch Area	284 sqft
Deck Area	156 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	56077
Street Address	195 KATES COVE RD
City	MURPHY
State	NC
Zip	28906-2578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 (REV) KATES COVE 1614/1042
Legal Lot Number	8
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1060
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
Co-owner	Co-owner on Record
Mailing Address	1165 TYPHOON DR, MERRITT ISLAND, FL 32953-3273
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jul 26, 2018	Warranty Deed, Transfer
May 15, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	Jun 4, 2019 · Amount on Record
Deed Document Number	7596
Deed Book / Page	1696 / 171
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 10, 2021
Property Address	195 KATES COVE RD, MURPHY, NC 28906-2578
Document Number	001696/171
Book / Page	1696 / 171
Instrument Date	Oct 18, 2021
Instrument	7596
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 SUNSET TRL, 440, BLAIRSVILLE, GA 30512-2126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 TYPHOON DR, MERRITT ISLAND, FL 32953-3273

Mortgage

Document Number	0001696175
Date	Nov 10, 2021
Instrument	1696/175

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 4, 2019
Property Address	195 KATES COVE RD, MURPHY, NC 28906-2578
Document Number	01614/1042
Book / Page	01614 / 1042
Instrument Date	May 21, 2019
Instrument	02437
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	195 KATES COVE RD, 195, MURPHY, NC 28906-2578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 RENEE CT, ROCKLEDGE, FL 32955-3748

Mortgage

Document Number	0000002438
Date	Jun 4, 2019
Instrument	02438

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 26, 2018
Property Address	195 KATES COVE RD, MURPHY, NC 28906-2578
Document Number	01592/0381
Book / Page	01592 / 0381
Map Reference	CAB H SL 577A
Instrument Date	Jul 23, 2018
Instrument	03595
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount Recorded
Tax	$324.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 510205, PUNTA GORDA, FL 33951-0205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 KATES COVE RD, MURPHY, NC 28906-2579

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 15, 2018
Property Address	195 KATES COVE RD, MURPHY, NC 28906-2578
Document Number	01587/0239
Book / Page	01587 / 0239
Instrument Date	May 14, 2018
Instrument	02285
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 RITZ RD, 236, MURPHY, NC 28906-6259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 KATES COVE ROAD, MURPHY, NC 28906-2578

Mortgage

Document Number	0000002286
Date	May 15, 2018
Instrument	02286

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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	$1,072.00	$150,280 (-)	$150,280 (-) Land $30,000 Building $120,280
2023		$150,280	$150,280 Land $30,000 Building $120,280

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	7 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 52% of the US · above 74% 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 35 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: Peachtree Broadband Fiber, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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