321 Carriage Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 321 Carriage Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,426 sqft · built 2001
Lot Size	11 acres (480,467 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,084 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`459320729297000`

Property Details

APN / Parcel Number

Primary APN	`459320729297000`
Alternative APN	`50408`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,426 sqft Heated Area
Gross Area	4,240 sqft
1st Floor Area	2,426 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Roof Type	Hip
Roof Material	Asphalt
Lot Area	480,467 sqft (11 acres)
Lot Width	773 ft Width
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	362 sqft
Deck Area	Deck Area
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	50408
Street Address	321 CARRIAGE LN
City	MURPHY
State	NC
Zip	28906-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWANSON PROP P/O 579/190 890/53
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1054
Census Tract	930402

Owner

Source: Cherokee County records, as of April 23, 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	321 CARRIAGE LN, MURPHY, NC 28906-1319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Aug 22, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2000
Deed Sale	Feb 1, 2000
Deed Book / Page	890 / 53
Last Transfer Date	Aug 20, 2019
Transfer Doc	01621/0607
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Apr 13, 2026
Property Address	321 CARRIAGE LN, MURPHY, NC 28906-1319
Document Number	0000001707
Book / Page	1799 / 161
Instrument Date	Apr 7, 2026
Instrument	20261707
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CARRIAGE LN, MURPHY, NC 28906-1319

Mortgage

Document Number	0000001707,
Date	Apr 13, 2026
Book Page	1799/161
Instrument	20261707

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 22, 2019
Property Address	321 CARRIAGE LN, MURPHY, NC 28906-1319
Document Number	01621/0607
Book / Page	01621 / 0607
Map Reference	MB 890 PG 53
Instrument Date	Aug 20, 2019
Instrument	03898
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 365, MURPHY, NC 28906-0365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 731, MURPHY, NC 28906-0731

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	$2,084.00	$281,970 (-)	$281,970 (-) Land $60,560 Building $221,410
2023		$281,970	$281,970 Land $60,560 Building $221,410

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 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Blue Ridge Mountain EMC, Frontier, Peachtree Broadband Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Carriage Ln

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