21 Grand Rdg, Murphy, NC 28906 Property Records

Cherokee County property record for 21 Grand Rdg, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,962 sqft · built 1995
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Dec 2012)
Tax Bill	$1,231 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459500246511000`

Property Details

APN / Parcel Number

Primary APN	`459500246511000`
Alternative APN	`48802`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,962 sqft Heated Area
Gross Area	3,716 sqft
1st Floor Area	1,332 sqft
Upper Floors Area	630 sqft
Attic	Attic
Attic Area	220 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)
Lot Dimensions	231 ft deep x 196 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	336 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	48802
Street Address	21 GRAND RDG
City	MURPHY
State	NC
Zip	28906-5601
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	STANKO PROP 1461/291 1600/377
Legal Phase	1461
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1029
Census Tract	930300

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	21 GRAND RDG, MURPHY, NC 28906-5601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Nov 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2012 · Amount on Record
Deed Sale	Dec 19, 2012 · Amount on Record
Deed Document Number	20126172
Deed Book / Page	1454 / 114
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Jun 2, 2026
Property Address	21 GRAND RDG, MURPHY, NC 28906-5601
Document Number	0000002702
Book / Page	1802 / 1050
Instrument Date	May 11, 2026
Instrument	20262702
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 GRAND RDG, MURPHY, NC 28906-5601

Mortgage

Document Number	0000002702,
Date	Jun 2, 2026
Book Page	1802/1050
Instrument	20262702

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	21 GRAND RDG, MURPHY, NC 28906-5601
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01601/0643
Date	Nov 28, 2018
Book Page	01601/0643
Instrument	05711

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2038

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	$1,231.00	$171,400 (-)	$171,400 (-) Land $9,160 Building $162,240
2023		$171,400	$171,400 Land $9,160 Building $162,240

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

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	High above 70% of the US · above 92% of North Carolina
Wildfire Likelihood	0.3% 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 20 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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