91 Lowell St, Murphy, NC 28906 Property Records

Cherokee County property record for 91 Lowell St, Murphy, NC 28906 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,356 sqft · built 1947
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Dec 2020)
Tax Bill	$703 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`459219516872000`

Property Details

APN / Parcel Number

Primary APN	`459219516872000`
Alternative APN	`53501`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,356 sqft Heated Area
Flooring	Carpet
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1987
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	138 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	53501
Street Address	91 LOWELL ST
City	MURPHY
State	NC
Zip	28906-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 2 & P/O LOT 3 ED KING SUB 950/376
Legal Subdivision	ED KING SUB
Legal Lot Number	1-3
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1001
Census Tract	930502

Owner

Source: Cherokee County records · APN 459219516872000

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	91 LOWELL ST, MURPHY, NC 28906-3402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Deed Document Number	7775
Deed Book / Page	1667 / 193
Record Updated	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 14, 2020
Property Address	91 LOWELL ST, MURPHY, NC 28906-3402
Document Number	1667/193
Book / Page	1667 / 193
Map Reference	MB 1 PG 36A
Instrument Date	Dec 08, 2020
Instrument	7775
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 NEYLAND DR, 45, MURPHY, NC 28906-6110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 LOWELL ST, MURPHY, NC 28906-3402

Mortgage

Document Number	1667197
Date	Dec 14, 2020
Instrument	1667/197

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jan 01, 2026
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	1.03%

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	$703.00	$101,430 (+2.49%)	$101,430 (+2.49%) Land $18,750 Building $82,680
2023		$98,970	$98,970 Land $18,750 Building $80,220

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 72% of North Carolina
Wildfire Likelihood	About 1 in 885 per year
Exposure	Direct burnable vegetation at the parcel

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