23 Melody Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 23 Melody Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,200 sqft · built 2006
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Nov 2007)
Tax Bill	$1,092 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`445900147795000`

Property Details

APN / Parcel Number

Primary APN	`445900147795000`
Alternative APNs	`26027` `59726`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	2,304 sqft
1st Floor Area	816 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2012
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)
Lot Width	328 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	272 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	59726
Street Address	23 MELODY LN
City	MURPHY
State	NC
Zip	28906-4110
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 1 FR WELTER 1305/950
Legal Subdivision	PINKLETON PROPERTY
Legal Tract	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2016
Census Tract	930605

Owner

Source: Cherokee County records, as of October 6, 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	1974 NEPTUNE DR, ENGLEWOOD, FL 34223-1535
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Mar 27, 2023	Warranty Deed, Transfer
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
May 26, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2007 · Amount on Record
Deed Sale	Nov 19, 2007 · Amount on Record
Deed Document Number	20078567
Deed Book / Page	1305 / 950
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Sep 18, 2026
Property Address	23 MELODY LN, MURPHY, NC 28906-4110
Document Number	0000004852
Book / Page	1810 / 230
Instrument Date	Sep 1, 2026
Instrument	20264852
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 MELODY LN, MURPHY, NC 28906-4110

Mortgage

Document Number	0000004852,
Date	Sep 18, 2026
Book Page	1810/230
Instrument	20264852

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 5, 2051

Interest

Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 27, 2023
Property Address	23 MELODY LN, MURPHY, NC 28906-4110
Document Number	01731/1374
Book / Page	1731 / 1374
Instrument Date	Mar 9, 2023
Instrument	1441
Transaction Type	Transfer
Record Updated	Apr 18, 2023

Transaction

Amount	Amount Recorded
Tax	$654.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 MELODY LN, MURPHY, NC 28906-4110

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1974 NEPTUNE DR, ENGLEWOOD, FL 34223-1535

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	23 MELODY LN, MURPHY, NC 28906-4110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01568/0010
Date	Aug 30, 2017
Book Page	01568/0010
Instrument	03855

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	23 MELODY LN, MURPHY, NC 28906-4110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01610/0723
Date	Apr 10, 2019
Book Page	01610/0723
Instrument	01516

Lender

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

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	23 MELODY LN, MURPHY, NC 28906-4110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1644/752
Date	May 26, 2020
Book Page	1644/752
Instrument	2541

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,092.00	$143,910 (+2.91%)	$143,910 (+2.91%) Land $7,800 Building $136,110
2023		$139,840	$139,840 Land $7,800 Building $132,040

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
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 63% of the US · above 85% of North Carolina
Wildfire Likelihood	0.2% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Melody Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures