246 Lower Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 246 Lower Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 768 sqft · built 1996
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Feb 2023)
Tax Bill	$944 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`458500034140000`

Property Details

APN / Parcel Number

Primary APN	`458500034140000`
Alternative APNs	`440040099610` `59482`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	768 sqft Heated Area
Basement Area	160 sqft
Finished Basement	768 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Ranch
Exterior Material	Wood Shingle
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Lot Dimensions	427 ft deep x 274 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	256 sqft
Deck Area	336 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	59482
Street Address	246 LOWER LN
City	MURPHY
State	NC
Zip	28906-3442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 3-B HEAD & OWENBY ROSE PROP 885/57
Legal Phase	885
Legal Tract	3
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1047
Census Tract	930300

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
Co-owner	Co-owner on Record
Mailing Address	120 CARRIAGE OAKS DR SW, MARIETTA, GA 30064-5419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Deed Document Number	743
Deed Book / Page	1729 / 1008
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 21, 2023
Property Address	246 LOWER LN, MURPHY, NC 28906-3442
Document Number	01729/1008
Book / Page	1729 / 1008
Instrument Date	Feb 18, 2023
Instrument	743
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 E HERITAGE BLVD, BYRON, GA 31008-7091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CARRIAGE OAKS DR SW, MARIETTA, GA 30064-5419

Mortgage

Document Number	0017291014
Date	Feb 21, 2023
Instrument	1729/1014

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	246 LOWER LN, MURPHY, NC 28906-3442
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001707/79
Date	Mar 21, 2022
Book Page	1707/79
Instrument	1808

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$944.00	$128,520 (-)	$128,520 (-) Land $10,000 Building $118,520
2023		$128,520	$128,520 Land $10,000 Building $118,520

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	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 14 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
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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