326 Smokeford Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 326 Smokeford Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,520 sqft · built 1992
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Sep 2021)
Tax Bill	$1,475 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`551101252670000`

Property Details

APN / Parcel Number

Primary APN	`551101252670000`
Alternative APN	`55659`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Heated Area
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)
Lot Dimensions	290 ft deep x 146 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	200 sqft
Deck Area	510 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	55659
Street Address	326 SMOKEFORD RD
City	MURPHY
State	NC
Zip	28906-6896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SMOKEFORD CROSSING 1116/725
Legal Lot Number	4
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2044
Census Tract	930401

Owner

Source: Cherokee County records · APN 551101252670000

Assessment roll updated January 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	326 SMOKEFORD RD, MURPHY, NC 28906-6896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	6286
Deed Book / Page	1691 / 521
Record Updated	Jun 08, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 20, 2021
Property Address	326 SMOKEFORD RD, MURPHY, NC 28906-6896
Document Number	1691/521
Book / Page	1691 / 521
Map Reference	CAB A SL 173
Instrument Date	Sep 20, 2021
Instrument	6286
Transaction Type	Transfer
Record Updated	Oct 01, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4691 OCKATOO DRIVE, 4691, SHALLOTTE, NC 28470

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	326 SMOKEFORD RD, MURPHY, NC 28906-6896

Mortgage

Document Number	1691525
Date	Sep 20, 2021
Instrument	1691/525

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,475.00	$198,680 (-)	$198,680 (-) Land $45,000 Building $153,680
2023		$198,680	$198,680 Land $45,000 Building $153,680

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 5, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2025)
Most Recent Claim	Apr 2025 · other causes

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 83% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wilkes Telephone Membership Fixed Wireless	10 / 1

May also be available: Blue Ridge Mountain Electric Membership, CND Acquisition.

Based on FCC filings for 19 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF MURPHY serves 4,498 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.