96 Raper Mill Creek Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 96 Raper Mill Creek Dr, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,994 sqft · built 1960
Lot Size	4.76 acres (207,346 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Dec 2020)
Tax Bill	$1,488 (2025)
Deeds & Mortgages	Apr 2022 Construction Loan Dec 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`446900094860000`

Property Details

APN / Parcel Number

Primary APN	`446900094860000`
Alternative APN	`53567`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,994 sqft Heated Area
Gross Area	3,058 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Exterior Material	Combination
Foundation Type	Footing
Roof Material	Metal
Lot Area	207,346 sqft (4.76 acres)
Lot Width	1,069 ft Width
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	936 sqft
Shed	1 Shed
Shed Area	128 sqft
Stable	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	53567
Street Address	96 RAPER MILL CREEK DR
City	MURPHY
State	NC
Zip	28906-4046
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	P/O LOT 16 NOTLA FIELDS P/O 1409/922
Legal Lot Number	16
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2014
Census Tract	930605

Owner

Source: Cherokee County records · APN 446900094860000

Assessment roll updated January 1, 2025 · Last verified March 2026

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
Co-owner	Verified Secondary Owner
Mailing Address	96 RAPER MILL CREEK DR, MURPHY, NC 28906-4046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY
Dec 11, 2020	Warranty Deed, Transfer · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Jun 01, 2012 · Amount on Record
Deed Document Number	7726
Deed Book / Page	1667 / 20
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	96 RAPER MILL CREEK DR, MURPHY, NC 28906-4046
Transaction Type	Mortgage
Record Updated	Oct 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 OLD RANGER RD, MURPHY, NC 28906-3294

Mortgage

Document Number	01708/1287
Date	Apr 11, 2022
Book Page	1708/1287
Instrument	2325

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	ASHEVILLE, NC 28806

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	186 Months
Due	Oct 05, 2037

Interest

Rate Type	Adjustable Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 11, 2020
Property Address	96 RAPER MILL CREEK DR, MURPHY, NC 28906-4046
Document Number	0001667/20
Book / Page	1667 / 20
Map Reference	CAB H SL 1056
Instrument Date	Dec 08, 2020
Instrument	7726
Transaction Type	Transfer
Record Updated	Oct 06, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 RAPER MILL CREEK DR, 240, MURPHY, NC 28906-2727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 RAPER MILL CREEK DR, MURPHY, NC 28906-4046

Mortgage

Document Number	0000166722
Date	Dec 11, 2020
Instrument	1667/22

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 11, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified March 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	$1,488.00	$213,680 (-)	$213,680 (-) Land $40,000 Building $173,680
2023		$213,680	$213,680 Land $40,000 Building $173,680

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 5, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 86% of North Carolina
Wildfire Likelihood	0.2% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain Electric Membership Fiber	1,000 / 1,000
CND Acquisition Cable	500 / 30
Starlink Satellite	280 / 30

Based on FCC filings for 7 locations within half a mile of this property.

Cell Coverage

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

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