95 Laurel Cove Ter, Murphy, NC 28906 Property Records

Cherokee County property record for 95 Laurel Cove Ter, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1985
Lot Size	1.18 acres (51,401 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Sep 2022)
Tax Bill	$658 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459102662584000`

Property Details

APN / Parcel Number

Primary APN	`459102662584000`
Alternative APNs	`51185` `58456`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Heated Area
Gross Area	1,344 sqft
1st Floor Area	816 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	51,401 sqft (1.18 acres)
Lot Dimensions	259 ft deep x 290 ft wide
Porch	Slab
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	58456
Street Address	95 LAUREL COVE TER
City	MURPHY
State	NC
Zip	28906-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAUREL COVE 1445/194 1632/253
Legal Subdivision	LAUREL COVE SUBDIVISION
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1015
Census Tract	930502

Owner

95 Laurel Cove Ter is owned by two individuals who bought it in September 2022.

Source: Cherokee County records, as of April 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	245 OLD VILLAGE CENTER CIR, 7301, SAINT AUGUSTINE, FL 32084-5839
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Dec 18, 2019	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2022 · Amount on File
Deed Sale	Sep 15, 2022 · Amount on File
Prior Sale	Dec 18, 2019 · Amount on File
Deed Document Number	20225979
Deed Book / Page	1720 / 940
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 15, 2022
Property Address	95 LAUREL COVE TER, MURPHY, NC 28906-2101
Document Number	001720/940
Book / Page	1720 / 940
Instrument Date	Sep 13, 2022
Instrument	5979
Transaction Type	Transfer
Record Updated	Oct 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 MOUNTAIN TOP RD, 240, MARBLE, NC 28905-8355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 LAUREL COVE TER, MURPHY, NC 28906-2101

Mortgage

Document Number	0001720944
Date	Sep 15, 2022
Instrument	1720/944

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 18, 2019
Property Address	95 LAUREL COVE TER, MURPHY, NC 28906-2101
Document Number	01632/0253
Book / Page	01632 / 0253
Instrument Date	Dec 17, 2019
Instrument	06393
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 HILLCREST DR, 217, MONTEVALLO, AL 35115-5947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 LAUREL COVE TER, MURPHY, NC 28906-2101

Mortgage

Document Number	016320256
Date	Dec 18, 2019
Instrument	01632/0256

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 95 Laurel Cove Ter was $658.

Source: Cherokee County assessment roll, as of October 10, 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	$658.00	$89,020	$89,020 Land $20,000 Building $69,020
2023		$89,020	$89,020 Land $20,000 Building $69,020

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 95 Laurel Cove Ter in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 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

Wildfire risk around 95 Laurel Cove Ter is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 84% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30

Cell Coverage

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

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