384 Laurel Cove Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 384 Laurel Cove Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 864 sqft · built 1979
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual on Record
Last Sale	$129,500 (Jul 2016)
Tax Bill	$812 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459102674028000`

Property Details

APN / Parcel Number

Primary APN	`459102674028000`
Alternative APN	`44104`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	864 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	16,117 sqft (0.369 acres)
Lot Dimensions	142 ft deep x 118 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	548 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	44104
Street Address	384 LAUREL COVE RD
City	MURPHY
State	NC
Zip	28906-7940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 LAUREL COVE 1407/570
Legal Lot Number	8
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1015
Census Tract	930502

Owner

Source: Cherokee County assessment roll, as of January 1, 2025

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

Owner of Record	Individual on Record
Mailing Address	384 LAUREL COVE RD, MURPHY, NC 28906-7940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 3, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2016 · Amount on Record
Deed Sale	Jul 25, 2016 · Amount on Record
Prior Sale	Mar 8, 2011
Deed Document Number	03164
Deed Book / Page	01540 / 0462
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	384 LAUREL COVE RD, MURPHY, NC 28906-7940
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1689/450
Date	Aug 25, 2021
Book Page	1689/450
Instrument	5688

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Oct 1, 2046

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	384 LAUREL COVE RD, MURPHY, NC 28906-7940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1662/1036
Date	Nov 3, 2020
Book Page	1662/1036
Instrument	6495

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Oct 1, 2046

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$812.00	$113,020 (-)	$113,020 (-) Land $7,000 Building $106,020
2023		$113,020	$113,020 Land $7,000 Building $106,020

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
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	7 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 56% of the US · above 78% 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 30 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: Frontier, Peachtree Broadband Fiber, Verizon.

Cell Coverage

4G LTE only, no 5G reported

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