Cherokee County property record for 195 Railroad St, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,660 sqft · built 1940 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $445,000 (May 2023) |
| Tax Bill | $1,637 (2025) |
| Deeds & Mortgages | May 2023 Sale Oct 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 459210364080000 |
| Primary APN | 459210364080000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,660 sqft Heated Area |
| Gross Area | 1,772 sqft |
| 1st Floor Area | 1,660 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 92 ft deep x 63 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | Deck Area |
| Patio Area | 28 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 60209 |
|---|---|
| Street Address | 195 RAILROAD ST |
| City | MURPHY |
| State | NC |
| Zip | 28906-2714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IHC |
| Legal Description | FR KERR & COVINGTON 1624/1041 |
| Legal Phase | 1549 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 930402 |
Source: Cherokee County records, as of October 10, 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 | 3916 N POTSDAM AVE, SIOUX FALLS, SD 57104-7048 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2023 | Warranty Deed, Transfer |
| Oct 1, 2019 | Intrafamily Transfer, Transfer |
| Oct 29, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage RIVER RAIL PROPERTIES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on Record |
| Deed Sale | May 26, 2023 · Amount on Record |
| Prior Sale | Oct 29, 2018 · Amount on Record |
| Deed Document Number | 20232576 |
| Deed Book / Page | 1735 / 1132 |
| Prior Transfer Date | Sep 27, 2019 |
| Prior Transfer Doc | 01624/1041 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | May 26, 2023 |
| Property Address | 195 RAILROAD ST, MURPHY, NC 28906-2714 |
| Document Number | 01735/1132 |
| Book / Page | 1735 / 1132 |
| Instrument Date | May 23, 2023 |
| Instrument | 2576 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $890.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 96 TAYLOR TRCE, FRANKLIN, NC 28734-5038 |
| Name | Verified Name |
|---|---|
| Address | 195 RAILROAD ST, MURPHY, NC 28906-2714 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Oct 1, 2019 |
| Property Address | 195 RAILROAD ST, MURPHY, NC 28906-2714 |
| Document Number | 01624/1041 |
| Book / Page | 01624 / 1041 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 04713 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 233 LAKEVIEW CIR, MORGANTON, GA 30560-3553 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Oct 29, 2018 |
| Property Address | 195 RAILROAD ST, MURPHY, NC 28906-2714 |
| Document Number | 01599/0157 |
| Book / Page | 01599 / 0157 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 05209 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1046, MURPHY, NC 28906-1046 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 233 LAKEVIEW CIR, MORGANTON, GA 30560-3553 |
| Document Number | 05210 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 05210 |
| Name | RIVER RAIL PROPERTIES LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cherokee County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Municipality | Murphy Town |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,637.00 | $254,430 (-) | $254,430 (-) Land $18,000 Building $236,430 |
| 2023 | $254,430 | $254,430 Land $18,000 Building $236,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 115 / 7 |
| T-Mobile Fixed Wireless | 100 / 20 |
| RiverStreet Networks Fixed Wireless | 25 / 3 |
May also be available: AT&T, Blue Ridge Mountain EMC, Peachtree Broadband Fiber.
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