225 Duke St, Murphy, NC 28906 Property Records

Cherokee County property record for 225 Duke St, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,156 sqft · built 1969
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Aug 2015)
Tax Bill	$728 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459211576385000`

Property Details

APN / Parcel Number

Primary APN	`459211576385000`
Alternative APN	`42055`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,156 sqft Heated Area
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1985
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	42055
Street Address	225 DUKE ST
City	MURPHY
State	NC
Zip	28906-2881
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 454 ALVERSON SUB 632/145 A/10
Legal Subdivision	ALVERSON SUB
Legal Lot Number	454
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2034
Census Tract	930402

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
Mailing Address	225 DUKE ST, MURPHY, NC 28906-2881
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 3, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2015 · Amount on Record
Deed Sale	Aug 5, 2015 · Amount on Record
Deed Document Number	03137
Deed Book / Page	01517 / 0063
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	225 DUKE ST, MURPHY, NC 28906-2881
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	ACCURATE EQUITY GROUP, ACCURAT EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001700/366
Date	Dec 28, 2021
Book Page	1700/366
Instrument	8695

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	225 DUKE ST, MURPHY, NC 28906-2881
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01604/0403
Date	Jan 3, 2019
Book Page	01604/0403
Instrument	00025

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
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
Municipality	Murphy Town
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$728.00	$105,450 (-)	$105,450 (-) Land $24,000 Building $81,450
2023		$105,450	$105,450 Land $24,000 Building $81,450

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
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	Moderate above 47% of the US · above 68% 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.

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 139 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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