56 Fain St, Murphy, NC 28906 Property Records

Cherokee County property record for 56 Fain St, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 4,854 sqft · built 1995
Lot Size	5.09 acres (221,720 sqft)
Owner	2 Trust Names on Record
Last Sale	$390,000 (Aug 2018)
Tax Bill	$3,127 (2025)
Deeds & Mortgages	Jan 2019 Transfer Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459207782683000`

Property Details

APN / Parcel Number

Primary APN	`459207782683000`
Alternative APN	`49186`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	4,854 sqft Heated Area
Gross Area	7,022 sqft
1st Floor Area	2,980 sqft
Upper Floors Area	1,874 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	221,720 sqft (5.09 acres)
Lot Dimensions	263 ft deep x 398 ft wide
Garage Type	Carport
Garage Area	570 sqft
Carport	Carport
Carport Area	570 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	1,290 sqft
Deck Area	394 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	49186
Street Address	56 FAIN ST
City	MURPHY
State	NC
Zip	28906-2885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	OLD MERCER FAIN HOMEPLACE 1593/1016
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2013
Census Tract	930402

Owner

Source: Cherokee County records, as of October 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	56 FAIN ST, MURPHY, NC 28906-2885
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2019	Gift Deed, Transfer
Aug 17, 2018	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Deed Document Number	20183952
Deed Book / Page	1593 / 1016
Last Transfer Date	Jan 14, 2019
Transfer Doc	01605/0254
Record Updated	Jun 8, 2026

January 2019: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jan 17, 2019
Property Address	56 FAIN ST, MURPHY, NC 28906-2885
Document Number	01605/0254
Book / Page	01605 / 0254
Instrument Date	Jan 14, 2019
Instrument	00252
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 FAIN ST, MURPHY, NC 28906-2885

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 17, 2018
Property Address	56 FAIN ST, MURPHY, NC 28906-2885
Document Number	01593/1016
Book / Page	01593 / 1016
Instrument Date	Aug 2, 2018
Instrument	03952
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 FAIN ST, 56, MURPHY, NC 28906-2885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 FAIN ST, MURPHY, NC 28906-2885

Mortgage

Document Number	0000003953
Date	Aug 17, 2018
Instrument	03953

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,127.00	$498,690 (-0.79%)	$498,690 (-0.79%) Land $92,840 Building $405,850
2023		$502,650	$502,650 Land $92,840 Building $409,810

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 57% of the US · above 79% 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 157 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

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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