91 Garnie Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 91 Garnie Ln, Murphy, NC 28906 · Last verified April 2026

Property Summary

Property Type	Other Improved
Lot Size	1.34 acres (58,370 sqft)
Owner	2 Individual Names on File
Tax Bill	$270 (2025)
Deeds & Mortgages	May 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`458400590852000`

Property Details

APN / Parcel Number

Primary APN	`458400590852000`
Alternative APN	`40215`

Exterior

Architectural Style	Mobile Home
Lot Area	58,370 sqft (1.34 acres)
Lot Dimensions	287 ft deep x 30 ft wide

Location & Zoning

Account Number	40215
Street Address	91 GARNIE LN
City	MURPHY
State	NC
Zip	28906-4838
Property Category	Other
Property Type	Other > Other Improved
Legal Description	HALL PROP 526/107 936/137 1385/1059
Legal Phase	526
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1047
Census Tract	930300

Owner

Source: Cherokee County records · APN 458400590852000

Assessment roll updated October 10, 2025 · Last verified April 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	2106 EBENEZER RD, MURPHY, NC 28906-6613
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 06, 2014
Transfer Doc	01496/0758
Record Updated	Jun 08, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	91 GARNIE LN, MURPHY, NC 28906-4838
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01756/1288
Date	May 15, 2024
Book Page	1756/1288
Instrument	2334

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	116 PEACHTREE ST, MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 24, 2049

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
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	$270.00	$20,840 (-)	$20,840 (-) Land $9,020 Building $11,820
2023		$20,840	$20,840 Land $9,020 Building $11,820

Flood & Wildfire

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

Flood

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

Wildfire Risk	Moderate above 68% of the US · above 90% of North Carolina
Wildfire Likelihood	About 1 in 326 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.