196 Railroad St, Murphy, NC 28906 Property Records

Cherokee County property record for 196 Railroad St, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,100 sqft · built 1945
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Dec 2023)
Tax Bill	$1,450 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2013 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`459210356442000`

Property Details

APN / Parcel Number

Primary APN	`459210356442000`
Alternative APNs	`36595` `61875`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,100 sqft Base Area
Gross Area	4,764 sqft
1st Floor Area	1,100 sqft
Upper Floors Area	2,728 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1985
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	30 ft deep x 101 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	156 sqft
Deck Area	Deck Area
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	61875
Street Address	196 RAILROAD ST
City	MURPHY
State	NC
Zip	28906-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HB
Legal Description	FR RATELIFF & KANE 1447/364
Legal Phase	858
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2067
Census Tract	930402

Owner

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	142 PROSPECT ST, COPPERHILL, TN 37317-4053
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 20, 2013	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 9, 2011	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 17, 2009	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 17, 2024	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Apr 28, 2009	Deed of Trust, Mortgage · Conventional Mortgage EBANK
Dec 20, 2023	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Dec 20, 2023	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Sep 20, 2012	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Deed Document Number	20236553
Deed Book / Page	1748 / 1073
Prior Transfer Date	Sep 15, 2012
Prior Transfer Doc	01447/0367
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01685/1242
Date	Jul 15, 2021
Book Page	1685/1242
Instrument	4695

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

December 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01482/0307
Date	Dec 20, 2013
Book Page	1482/0307
Instrument	6270

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2034

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01417/0325
Date	Aug 9, 2011
Book Page	1417/0325
Instrument	014170325

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2041

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01368/0228
Date	Sep 17, 2009
Book Page	1368/0228
Instrument	2009-0005296

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2039

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	MUTUAL TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 RAILROAD ST, MURPHY, NC 28906-2714

Mortgage

Document Number	001764/735
Date	Sep 17, 2024
Book Page	1764/735
Instrument	4693

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01355/0225
Date	Apr 28, 2009
Book Page	1355/0225
Instrument	2009-0002323

Lender

Name	EBANK
Address	ATLANTA, GA 30339

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2039

Interest

Rate Type	Fixed Rate
Rate	5.75%
Type Change Date	Jun 1, 2014
Change Frequency	6 Months
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	10.7%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01748/1075
Date	Dec 20, 2023
Book Page	1748/1075
Instrument	6554

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 20, 2023
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Document Number	01748/1073
Book / Page	1748 / 1073
Instrument Date	Nov 15, 2023
Instrument	6553
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	196 RAILROAD ST, MURPHY, NC 28906-2714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 RAILROAD ST, MURPHY, NC 28906-2714

Mortgage

Document Number	0017481075
Date	Dec 20, 2023
Instrument	1748/1075

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 20, 2012
Property Address	196 RAILROAD ST, MURPHY, NC 28906-2714
Document Number	01447/0364
Book / Page	01447 / 0364
Instrument Date	Sep 15, 2012
Instrument	04611
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	196 RAILROAD ST, 196, MURPHY, NC 28906-2714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 RAILROAD ST, MURPHY, NC 28906-2714

Mortgage

Document Number	01447/0367
Date	Sep 20, 2012
Book Page	01447/0367
Instrument	04612

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Municipality	Murphy Town
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,450.00	$223,840 (-)	$223,840 (-) Land $18,000 Building $205,840
2023		$223,840	$223,840 Land $18,000 Building $205,840

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Peachtree Broadband Fiber.

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