277 Virginia Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 277 Virginia Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,523 sqft · built 2008
Lot Size	1.68 acres (73,181 sqft)
Owner	2 Company Names on Record
Last Sale	$589,000 (Jun 2026)
Tax Bill	$1,939 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2007 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`453300599491000`

Property Details

APN / Parcel Number

Primary APN	`453300599491000`
Alternative APN	`51974`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,523 sqft Heated Area
Gross Area	4,076 sqft
1st Floor Area	1,159 sqft
Upper Floors Area	364 sqft
Basement Area	476 sqft
Unfinished Basement	476 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Wood Shingle
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	73,181 sqft (1.68 acres)
Lot Dimensions	460 ft deep x 30 ft wide
Garage Type	Carport
Garage Area	884 sqft
Carport	Carport
Carport Area	884 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	336 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	51974
Street Address	277 VIRGINIA LN
City	MURPHY
State	NC
Zip	28906-1589
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SHOAL CREEK POINTE 1606/558
Legal Subdivision	SHOAL CREEK POINTE SUBDIVISION
Legal Lot Number	3
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2023
Census Tract	930603

Owner

Source: Cherokee County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4625 WOODLAND BANK BLVD, BUFORD, GA 30518-8867
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 19, 2007	Deed of Trust, Mortgage · Conventional Mortgage APPALACHIAN COMMUNITY BANK
Jun 19, 2012	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
May 26, 2020	Warranty Deed, Transfer
Feb 7, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jan 14, 2015	Trustee's Deed, Foreclosure · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	May 26, 2020 · Amount on Record
Deed Document Number	20263176
Deed Book / Page	1804 / 483
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 26, 2026
Property Address	277 VIRGINIA LN, MURPHY, NC 28906-1589
Document Number	0000003176
Book / Page	1804 / 483
Instrument Date	Jun 24, 2026
Instrument	20263176
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118,978.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	4625 WOODLAND BANK BLVD, BUFORD, GA 30518-8867

Mortgage

Document Number	0000003178,
Date	Jun 26, 2026
Instrument	20263178

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	277 VIRGINIA LN, MURPHY, NC 28906-1589
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01288/0432
Date	Jun 19, 2007
Book Page	1288/0432
Instrument	2007-0004716

Lender

Name	APPALACHIAN COMMUNITY BANK
Address	ELLIJAY, GA 30540

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2037

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	277 VIRGINIA LN, MURPHY, NC 28906-1589
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01439/0992
Date	Jun 19, 2012
Book Page	1439/0992
Instrument	2949

Lender

Name	ALLY BANK
Type	Bank
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2042

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 26, 2020
Property Address	277 VIRGINIA LN, MURPHY, NC 28906-1589
Document Number	1644/893
Book / Page	1644 / 893
Instrument Date	May 13, 2020
Instrument	2575
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Tax	$514.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10901 SW 177TH ST, 10901, MIAMI, FL 33157-5059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10203 SW 105TH ST, MIAMI, FL 33176-3525

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 7, 2019
Property Address	277 VIRGINIA LN, MURPHY, NC 28906-1589
Document Number	01606/0558
Book / Page	01606 / 0558
Instrument Date	Jan 24, 2019
Instrument	00555
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1390 HIWASSEE DAM ACCESS RD, 1390, MURPHY, NC 28906-1842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10901 SW 177TH ST, MIAMI, FL 33157-5059

Mortgage

Document Number	00556
Date	Feb 7, 2019
Instrument	00556

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

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

January 2015: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jan 14, 2015
Property Address	277 VIRGINIA LN, MURPHY, NC 28906-1589
Document Number	01504/1003
Book / Page	01504 / 1003
Instrument Date	Jan 9, 2015
Instrument	00150
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2601 UNIVERSITY BLVD W, JACKSONVILLE, FL 32217-2112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 HALEY DR SE, ROME, GA 30161-6027

Mortgage

Document Number	0000000151
Date	Jan 14, 2015
Instrument	00151

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2045

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	$1,939.00	$263,070 (-)	$263,070 (-) Land $22,000 Building $241,070
2023		$263,070	$263,070 Land $22,000 Building $241,070

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.2% 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 11 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

Cell Coverage

No cell data coverage reported

Nearby Properties on Virginia Ln

Nearby Streets

All Murphy, NC Property Records

Search Property Records by Address or Parcel Number

Search by:

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