265 Iron Stone Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 265 Iron Stone Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,240 sqft · built 1990
Lot Size	9.41 acres (409,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$377,500 (Mar 2026)
Tax Bill	$1,292 (2025)
Deeds & Mortgages	Mar 2026 Foreclosure Oct 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`451400986551000`

Property Details

APN / Parcel Number

Primary APN	`451400986551000`
Alternative APNs	`39714` `61393`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,240 sqft Heated Area
Gross Area	2,950 sqft
1st Floor Area	960 sqft
Upper Floors Area	280 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	409,900 sqft (9.41 acres)
Lot Width	362 ft Width
Terrain	Mountain

Exterior Amenities

Porch	Slab
Porch Area	310 sqft
Deck Area	40 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	61393
Street Address	265 IRON STONE LN
City	MURPHY
State	NC
Zip	28906-8450
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOTS 5-7 & 11-12 LISTER PROP 539/111
Legal Subdivision	SHOAL CREEK TOWNSHIP
Legal Phase	539
Legal Lot Number	5-7
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2020
Census Tract	930603

Owner

Source: Cherokee County records, as of April 3, 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	PO BOX 38, MURPHY, NC 28906-0038
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Public Action, Foreclosure · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 31, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Deed Document Number	20261333
Deed Book / Page	1797 / 1100
Prior Transfer Date	Oct 11, 2023
Prior Transfer Doc	001745/670
Record Updated	Jun 8, 2026

March 2026: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CHEROKEE NC
Recording Date	Mar 20, 2026
Property Address	265 IRON STONE LN, MURPHY, NC 28906-8450
Document Number	01797/1100
Book / Page	1797 / 1100
Map Reference	CAB A SL 143
Instrument Date	Feb 25, 2026
Instrument	1333
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$755.00
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4939 REED AVE, JACKSONVILLE, FL 32257-6105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 38, MURPHY, NC 28906-0038

Mortgage

Document Number	0017971103
Date	Mar 20, 2026
Instrument	1797/1103

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Oct 31, 2023
Property Address	265 IRON STONE LN, MURPHY, NC 28906-8450
Document Number	001745/670
Book / Page	1745 / 670
Map Reference	CAB A SL 143
Instrument Date	Oct 11, 2023
Instrument	5551
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4939 REED AVE, JACKSONVILLE, FL 32257-6105

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4939 REED AVE, JACKSONVILLE, FL 32257-6105

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	$1,292.00	$171,310 (-)	$171,310 (-) Land $51,760 Building $119,550
2023		$171,310	$171,310 Land $51,760 Building $119,550

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	3 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 65% of the US · above 88% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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