49 Lowell St, Murphy, NC 28906 Property Records

Cherokee County property record for 49 Lowell St, Murphy, NC 28906 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1980
Square Footage	1,190 sqft Heated Area
Lot Size	24,829 sqft (0.569 acres)
Occupancy	Owner Occupied
Last Sale	$165,000 (2022)
Tax Bill	$637.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`459219513985000`
Alternative APNs	`37369` `56843`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	1,190 sqft Heated Area
Stories	1 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Plywood Interior Structure
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1980
Exterior Material	Wood Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	24,829 sqft (0.569 acres)
Depth X Width	229 ft x 77 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Carport Garage
Carport	Carport
Carport Area	328 sqft Carport
Deck Area	192 sqft Deck
Porch	Open Porch
Porch Area	442 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	56843
Street Address	49 LOWELL ST
City	MURPHY
State	NC
Zip	28906-3402
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 8 & P/O LOTS 6 & 7 ED KING SUB 1460/227 A/24B
Legal Subdivision	ED KING SUB
Legal Lot Number	8-7
Jurisdiction	CHEROKEE NC
Minor Civil Division	MURPHY
Census Blockgroup	1
Census Block	1001
Census Tract	930502

Owner

Source: Cherokee County records · APN 459219513985000

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
Mailing Address	49 LOWELL ST, MURPHY, NC 28906-3402
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Deed Doc Number	1317
Deed Book / Page	1705 / 393
Record Refreshed	Jun 08, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Feb 28, 2022
Property Address	49 LOWELL ST, MURPHY, NC 28906-3402
Document Number	001705/393
Book / Page	1705 / 393
Map Reference	CAB H SL 177
Instrument Date	Feb 01, 2022
Instrument	1317
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 W US HIGHWAY 64, 1900, MURPHY, NC 28906-3800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 LOWELL ST, MURPHY, NC 28906-3402

Mortgage

Document Number	0001705395
Date	Feb 28, 2022
Instrument	1705/395

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	United States Department of Agriculture (USDA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

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
Municipality	Murphy Town
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	$637.00	$90,620 (-)	$90,620 (-) Land $15,000 Building $75,620
2023		$90,620	$90,620 Land $15,000 Building $75,620

Flood & Wildfire

49 Lowell St is in FEMA Zone AE, inside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Cherokee County (37039C), updated February 5, 2020

FEMA Flood Zone	Zone AE 1% annual chance, base flood elevation determined
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 50th percentile of exposed land nationally · 72nd in North Carolina
Wildfire Likelihood	Moderate — about 1 in 917 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.