55 Nichols Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 55 Nichols Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,334 sqft · built 1972
Lot Size	6.11 acres (266,587 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Oct 2019)
Tax Bill	$1,146 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`445900319506000`

Property Details

APN / Parcel Number

Primary APN	`445900319506000`
Alternative APN	`50706`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,334 sqft Heated Area
Flooring	Terrazzo
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1987
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Hip
Roof Material	Asphalt
Lot Area	266,587 sqft (6.11 acres)
Lot Width	1,482 ft Width
Garage Type	Mixed
Garage Area	1,260 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	6 Parking Spaces
Porch	Enclosed Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	50706
Street Address	55 NICHOLS RD
City	MURPHY
State	NC
Zip	28906-3876
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR NICHOLS HEIRS 1433/821
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2004
Census Tract	930604

Owner

Source: Cherokee County records, as of October 9, 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 Record
Co-owner	Co-owner on Record
Mailing Address	55 NICHOLS RD, MURPHY, NC 28906-3876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Oct 7, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019 · Amount on Record
Deed Sale	Oct 7, 2019 · Amount on Record
Deed Document Number	04809
Deed Book / Page	01625 / 0365
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	55 NICHOLS RD, MURPHY, NC 28906-3876
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01728/1111
Date	Feb 1, 2023
Book Page	1728/1111
Instrument	450

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	55 NICHOLS RD, MURPHY, NC 28906-3876
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1692/983
Date	Oct 4, 2021
Book Page	1692/983
Instrument	6642

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 7, 2019
Property Address	55 NICHOLS RD, MURPHY, NC 28906-3876
Document Number	01625/0365
Book / Page	01625 / 0365
Instrument Date	Sep 24, 2019
Instrument	04809
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$294.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2077 MELODIE LN, 2077, CUMMING, GA 30041-6862

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 NICHOLS RD, MURPHY, NC 28906-3876

Mortgage

Document Number	016250375
Date	Oct 7, 2019
Instrument	01625/0375

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$1,146.00	$151,680 (-)	$151,680 (-) Land $38,680 Building $113,000
2023		$151,680	$151,680 Land $38,680 Building $113,000

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	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

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

Wildfire Risk	Moderate above 64% of the US · above 86% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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