398 Smokeford Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 398 Smokeford Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,710 sqft · built 2002
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2019)
Tax Bill	$1,935 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit Jul 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`551101159088000`

Property Details

APN / Parcel Number

Primary APN	`551101159088000`
Alternative APN	`50137`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,710 sqft Heated Area
Gross Area	2,376 sqft
1st Floor Area	1,134 sqft
Upper Floors Area	576 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)
Lot Dimensions	240 ft deep x 132 ft wide
Garage Type	Mixed
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	50137
Street Address	398 SMOKEFORD RD
City	MURPHY
State	NC
Zip	28906-6896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 SMOKEFORD CROSSING 1448/780
Legal Subdivision	SMOKEFORD XING
Legal Lot Number	8
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2044
Census Tract	930401

Owner

Source: Cherokee County records, as of April 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	398 SMOKEFORD RD, MURPHY, NC 28906-6896
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2019	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 16, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Oct 5, 2012 · Amount on Record
Deed Document Number	20193158
Deed Book / Page	1618 / 109
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	398 SMOKEFORD RD, MURPHY, NC 28906-6896
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01616/1091
Date	Jul 1, 2019
Book Page	01616/1091
Instrument	02895

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 7, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 16, 2019
Property Address	398 SMOKEFORD RD, MURPHY, NC 28906-6896
Document Number	01618/0109
Book / Page	01618 / 0109
Instrument Date	Jul 16, 2019
Instrument	03158
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 SMOKEFORD RD, 398, MURPHY, NC 28906-6896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 SMOKEFORD RD, MURPHY, NC 28906-6896

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	$1,935.00	$264,360 (-)	$264,360 (-) Land $51,750 Building $212,610
2023		$264,360	$264,360 Land $51,750 Building $212,610

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 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

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 60% of the US · above 83% 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.

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

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

Cell Coverage

5G (outdoors only) and 4G LTE

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