264 Tommys Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 264 Tommys Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 864 sqft · built 1991
Lot Size	1.39 acres (60,548 sqft)
Owner	Individual Name on Record
Tax Bill	$1,021 (2025)
Deeds & Mortgages	Apr 2007 Mortgage Feb 2026 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`445900733048000`

Property Details

APN / Parcel Number

Primary APN	`445900733048000`
Alternative APN	`45214`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	864 sqft Heated Area
Gross Area	2,272 sqft
Basement Area	864 sqft
Finished Basement	864 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	60,548 sqft (1.39 acres)
Lot Width	30 ft Width

Exterior Amenities

Porch	Open Porch
Porch Area	384 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	45214
Street Address	264 TOMMYS LN
City	MURPHY
State	NC
Zip	28906-9729
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 3 JAMES D DAVIS PROP 1384/310
Legal Phase	1384
Legal Lot Number	3
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2004
Census Tract	930604

Owner

Source: Cherokee County records, as of February 20, 2026

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	264 TOMMYS LN, MURPHY, NC 28906-9729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2007	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 10, 2026	Public Action, Foreclosure · FHA Mortgage EPIC MORTGAGE PROCESSING LLC
Sep 22, 2025	Warranty Deed, Transfer
Feb 28, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2025
Deed Sale	Sep 22, 2025
Prior Sale	Sep 22, 2025
Deed Document Number	001786/475
Deed Book / Page	1786 / 475
Last Transfer Date	Feb 10, 2026
Transfer Doc	001795/420
Record Updated	Jun 8, 2026

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	264 TOMMYS LN, MURPHY, NC 28906-9729
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01279/0171
Date	Apr 4, 2007
Book Page	1279/0171
Instrument	2007-0002669

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2037

February 2026: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CHEROKEE NC
Recording Date	Feb 10, 2026
Property Address	264 TOMMYS LN, MURPHY, NC 28906-9729
Document Number	001795/420
Book / Page	1795 / 420
Map Reference	CAB H SL 1729
Instrument Date	Jan 6, 2026
Instrument	654
Transaction Type	Foreclosure
Record Updated	Feb 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 TOMMYS LN, MURPHY, NC 28906-9729

Mortgage

Document Number	0001795423
Date	Feb 10, 2026
Instrument	1795/423

Lender

Name	EPIC MORTGAGE PROCESSING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 22, 2025
Property Address	264 TOMMYS LN, MURPHY, NC 28906-9729
Document Number	001786/475
Book / Page	1786 / 475
Instrument Date	Aug 26, 2025
Instrument	4557
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3039 HARDSCRABBLE RD, MINERAL BLUFF, GA 30559-2570

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 TOMMYS LN, MURPHY, NC 28906-9729

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 28, 2017
Property Address	264 TOMMYS LN, MURPHY, NC 28906-9729
Document Number	01555/0584
Book / Page	01555 / 0584
Instrument Date	Jan 30, 2017
Instrument	00853
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	264 TOMMYS LN, 264, MURPHY, NC 28906-9729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 TOMMYS LN, MURPHY, NC 28906-9729

Mortgage

Document Number	0000000854
Date	Feb 28, 2017
Instrument	00854

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

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	$1,021.00	$133,750 (-)	$133,750 (-) Land $17,500 Building $116,250
2023		$133,750	$133,750 Land $17,500 Building $116,250

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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 68% of the US · above 90% 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 27 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
Frontier DSL	90 / 5
Verizon Fixed Wireless	25 / 6

Cell Coverage

4G LTE only, no 5G reported

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