326 Laura Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 326 Laura Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 2,560 sqft · built 2005
Lot Size	6.76 acres (294,466 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,967 (2025)
Deeds & Mortgages	Oct 2017 Second Mortgage Jan 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`455100011191000`

Property Details

APN / Parcel Number

Primary APN	`455100011191000`
Alternative APN	`43802`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,560 sqft Heated Area
Gross Area	4,736 sqft
1st Floor Area	1,280 sqft
Upper Floors Area	1,280 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	294,466 sqft (6.76 acres)
Lot Dimensions	977 ft deep x 194 ft wide
Porch	Slab
Porch Area	640 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	43802
Street Address	326 LAURA LN
City	MURPHY
State	NC
Zip	28906-8937
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 6 JOHNSON HEIRS PROP 1456/636
Legal Subdivision	CLYDE JOHNSON HEIRS PROPERTY
Legal Phase	1456
Legal Lot Number	6
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2047
Census Tract	930606

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	326 LAURA LN, MURPHY, NC 28906-8937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 9, 2017	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Jan 11, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Apr 16, 2020	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Mar 21, 2025	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2013
Deed Sale	Jan 23, 2013
Prior Sale	Aug 20, 2012
Deed Document Number	2013348
Deed Book / Page	1456 / 636
Last Transfer Date	Jun 1, 2016
Transfer Doc	01537/0012
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 LAURA LN, MURPHY, NC 28906-8937
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01573/0037
Date	Oct 31, 2017
Book Page	01573/0037
Instrument	05065

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2027

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 LAURA LN, MURPHY, NC 28906-8937
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01552/0585
Date	Jan 9, 2017
Book Page	01552/0585
Instrument	00075

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2042

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 LAURA LN, MURPHY, NC 28906-8937
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01604/0980
Date	Jan 11, 2019
Book Page	01604/0980
Instrument	00156

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 LAURA LN, MURPHY, NC 28906-8937
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001641/552
Date	Apr 16, 2020
Book Page	1641/552
Instrument	1899

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2045

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 LAURA LN, MURPHY, NC 28906-8937
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	SERVICELINK HOME EQUITY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 LAURA LN, MURPHY, NC 28906-8937

Mortgage

Document Number	001774/769
Date	Mar 21, 2025
Book Page	1774/769
Instrument	1234

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2045

Interest

Change Frequency	Monthly

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	$1,967.00	$331,580 (+1.56%)	$331,580 (+1.56%) Land $26,430 Building $305,150
2023		$326,480	$326,480 Land $26,430 Building $300,050

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 67% 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 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

May also be available: Peachtree Broadband Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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