430 Carriage Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 430 Carriage Ln, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,849 sqft · built 2002
Lot Size	8.05 acres (350,658 sqft)
Owner	Individual Name on File
Tax Bill	$2,144 (2025)
Deeds & Mortgages	Apr 2023 Transfer Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`459320812822000`

Property Details

APN / Parcel Number

Primary APN	`459320812822000`
Alternative APNs	`440044071131` `59923`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,849 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Foundation Type	Footing
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	350,658 sqft (8.05 acres)
Lot Dimensions	340 ft deep x 1,852 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	562 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	654 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	59923
Street Address	430 CARRIAGE LN
City	MURPHY
State	NC
Zip	28906-2666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWANSON PROP P/O 579/190
Legal Phase	579
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1056
Census Tract	930402

Owner

430 Carriage Ln is owned by an individual who acquired it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 365, MURPHY, NC 28906-0365
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Intrafamily Transfer, Transfer
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 24, 2023
Transfer Doc	001733/921
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Apr 24, 2023
Property Address	430 CARRIAGE LN, MURPHY, NC 28906-2666
Document Number	001733/921
Book / Page	1733 / 921
Instrument Date	Apr 18, 2023
Instrument	1939
Transaction Type	Transfer
Record Updated	May 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3365, MURPHY, NC 28906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1368, MURPHY, NC 28906-1368

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	430 CARRIAGE LN, MURPHY, NC 28906-2666
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1636/584
Date	Feb 19, 2020
Book Page	1636/584
Instrument	783

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 430 Carriage Ln was $2,144.

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	$2,144.00	$335,430	$335,430 Land $45,640 Building $289,790
2023		$335,430	$335,430 Land $45,640 Building $289,790

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

Flood

FEMA maps place 430 Carriage 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	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

Wildfire risk around 430 Carriage Ln is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% 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 38 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: Blue Ridge Mountain EMC, Frontier, Peachtree Broadband Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Carriage Ln

Nearby Streets

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