40 Charlie Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 40 Charlie Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,102 sqft · built 1951
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jul 2023)
Tax Bill	$825 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`458118428440000`

Property Details

APN / Parcel Number

Primary APN	`458118428440000`
Alternative APNs	`54750` `60619`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,102 sqft Heated Area
Basement Area	282 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	150 ft deep x 271 ft wide
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	208 sqft
Deck Area	9 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	60619
Street Address	40 CHARLIE LN
City	MURPHY
State	NC
Zip	28906-4040
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR HALL 1682/696
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1015
Census Tract	930502

Owner

40 Charlie Ln, a rural home, is owned and occupied by an individual who bought it in July 2023.

Source: Cherokee County records, as of October 9, 2025

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	40 CHARLIE LN, MURPHY, NC 28906-4040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jun 2, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2023 · Amount on File
Deed Sale	Jul 18, 2023 · Amount on File
Prior Sale	Jun 2, 2021 · Amount on File
Deed Document Number	3484
Deed Book / Page	1738 / 1075
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 18, 2023
Property Address	40 CHARLIE LN, MURPHY, NC 28906-4040
Document Number	01738/1075
Book / Page	1738 / 1075
Instrument Date	Jul 18, 2023
Instrument	3484
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 CHARLIE LN, MURPHY, NC 28906-4040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CHARLIE LN, MURPHY, NC 28906-4040

Mortgage

Document Number	0017381078
Date	Jul 18, 2023
Instrument	1738/1078

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 2, 2021
Property Address	40 CHARLIE LN, MURPHY, NC 28906-4040
Document Number	1682/696
Book / Page	1682 / 696
Instrument Date	May 28, 2021
Instrument	3698
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Amount	Amount on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1681 WESTMINSTER WAY, 1681, MADISON, GA 30650-4295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CHARLIE LN, MURPHY, NC 28906-4040

Tax Assessment & Valuation

The 2025 property tax bill for 40 Charlie Ln was $825.

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	$825.00	$112,660	$112,660 Land $7,680 Building $104,980
2023		$105,370 (-)	$105,370 (-) Land $7,680 Building $97,690
2022		$105,370	$105,370 Land $7,680 Building $97,690

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 40 Charlie Ln in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 40 Charlie Ln is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 85% 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 10 locations within half a mile, as of December 31, 2025

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

May also be available: Peachtree Broadband Fiber.

Cell Coverage

4G LTE only, no 5G reported

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