324 Lower Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 324 Lower Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 884 sqft · built 1994
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Nov 2021)
Tax Bill	$968 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`458500035351000`

Property Details

APN / Parcel Number

Primary APN	`458500035351000`
Alternative APN	`56161`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	884 sqft Heated Area
Gross Area	2,869 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft
Finished Basement	884 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood Shingle
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	88,427 sqft (2.03 acres)
Lot Dimensions	328 ft deep x 298 ft wide
Deck Area	501 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	56161
Street Address	324 LOWER LN
City	MURPHY
State	NC
Zip	28906-9324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 3-A HEAD & OWENBY ROSE CREEK PROP 1582/198
Legal Phase	1582
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 10, 2025

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	120 CARRIAGE OAKS DR SW, MARIETTA, GA 30064-5419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Sep 17, 2018	Deed of Trust, Mortgage · ARM EXCHANGE BANK
Apr 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage EXCHANGE BANK
Mar 7, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Nov 1, 2003
Deed Document Number	20217873
Deed Book / Page	1697 / 262
Prior Transfer Date	Feb 27, 2018
Prior Transfer Doc	01582/0198
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 22, 2021
Property Address	324 LOWER LN, MURPHY, NC 28906-9324
Document Number	1697/262
Book / Page	1697 / 262
Instrument Date	Nov 4, 2021
Instrument	7873
Transaction Type	Transfer
Record Updated	Dec 8, 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	1517 LANE RD, 1517, MONTICELLO, GA 31064-7468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CARRIAGE OAKS DR SW, MARIETTA, GA 30064-5419
Investor	Possibly a Property Investor

Mortgage

Document Number	1697264
Date	Nov 22, 2021
Instrument	1697/264

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	324 LOWER LN, MURPHY, NC 28906-9324
Transaction Type	Mortgage
Record Updated	Oct 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01595/1016
Date	Sep 17, 2018
Book Page	01595/1016
Instrument	04435

Lender

Name	EXCHANGE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	60 Months
Due	Sep 17, 2023

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	324 LOWER LN, MURPHY, NC 28906-9324
Transaction Type	Mortgage
Record Updated	Apr 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01584/0941
Date	Apr 12, 2018
Book Page	01584/0941
Instrument	01706

Lender

Name	EXCHANGE BANK
Type	Bank
Address	GRAY, GA 31032

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Apr 11, 2021

Interest

Rate Type	Adjustable Rate

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Mar 7, 2018
Property Address	324 LOWER LN, MURPHY, NC 28906-9324
Document Number	01582/0198
Book / Page	01582 / 0198
Instrument Date	Feb 27, 2018
Instrument	01080
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 HARVARD CIR, 17, PANAMA CITY, FL 32405-3565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 BURTOM RD, EATONTON, GA 31024-7031

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	$968.00	$132,080 (+2.44%)	$132,080 (+2.44%) Land $10,000 Building $122,080
2023		$128,940	$128,940 Land $10,000 Building $118,940

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
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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