Cherokee County property record for 685 McDonald Rd, Murphy, NC 28906 · Last verified July 2026
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1973 |
| Lot Size | 3.77 acres (164,221 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $228,500 (Dec 2021) |
| Tax Bill | $1,068 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 458400644701000 |
| Primary APN | 458400644701000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Heated Area |
| Gross Area | 1,812 sqft |
| 1st Floor Area | 1,260 sqft |
| Flooring | Wood |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 164,221 sqft (3.77 acres) |
| Lot Dimensions | 736 ft deep x 247 ft wide |
| Garage Type | Carport |
| Garage Area | 392 sqft |
| Carport | Carport |
| Carport Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 375 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 56421 |
|---|---|
| Street Address | 685 MCDONALD RD |
| City | MURPHY |
| State | NC |
| Zip | 28906-6608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | FR BRAY 1554/256 1622/1125 |
| Legal Subdivision | GRAVES TO GARCIA |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 1 |
| Census Block | 1081 |
| Census Tract | 930300 |
Source: Cherokee County records · APN 458400644701000
Assessment roll updated October 10, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Line of Credit P N C BANK NA |
| Dec 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 09, 2019 | Warranty Deed, Transfer |
| Feb 02, 2017 | Special Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on Record |
| Deed Sale | Dec 21, 2021 · Amount on Record |
| Prior Sale | Sep 09, 2019 · Amount on Record |
| Deed Document Number | 20218616 |
| Deed Book / Page | 1699 / 1391 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Jun 22, 2026 |
| Property Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Document Number | 0000003053 |
| Book / Page | 1803 / 1389 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20263053 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | VISIONET SYSTEMS INC, VISIONET SYSTEMS |
| Name | Verified Name |
|---|---|
| Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003053, |
|---|---|
| Date | Jun 22, 2026 |
| Book Page | 1803/1389 |
| Instrument | 20263053 |
| Name | P N C BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 25, 2066 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Dec 21, 2021 |
| Property Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Document Number | 01699/1391 |
| Book / Page | 1699 / 1391 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 8616 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $457.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 689 MCDONALD RD, MURPHY, NC 28906-6608 |
| Name | Verified Name |
|---|---|
| Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Document Number | 0016991394 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 1699/1394 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Sep 09, 2019 |
| Property Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Document Number | 01622/1125 |
| Book / Page | 01622 / 1125 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 04213 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Name | Verified Name |
|---|---|
| Address | 241 CAPRICORN DR, EMIGRANT, MT 59027-6003 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Feb 02, 2017 |
| Property Address | 685 MCDONALD RD, MURPHY, NC 28906-6608 |
| Document Number | 01554/0256 |
| Book / Page | 01554 / 0256 |
| Instrument Date | Jan 26, 2017 |
| Instrument | 00484 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5000 PLANO PKWY, CARROLLTON, TX 75010-4900 |
| Name | Verified Name |
|---|---|
| Address | 3330 SE SAINT LUCIE BLVD, STUART, FL 34997-5430 |
| Document Number | 0000000485 |
|---|---|
| Date | Feb 02, 2017 |
| Instrument | 00485 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2047 |
Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
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 | $1,068.00 | $147,020 (-) | $147,020 (-) Land $32,570 Building $114,450 |
| 2023 | $147,020 | $147,020 Land $32,570 Building $114,450 |
Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399303001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 4 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2018, rainfall accumulation |
| Wildfire Risk | High above 77% of the US · above 96% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 249 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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