Skip to content
Skip to content
TopHapOpen in map
Rural ResidenceResidential
$176,683$184 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

95 RANCHO LN

MURPHY, NC 28906
3
Beds
2
Baths
960 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.08 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$177K
$144K low$210K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$176,683
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$141,346

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$646 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$85,100 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$85,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$85,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
98
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyCherokee
Lot (acres)The size of the land the home sits on, from county records.1.08
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 549 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Martins Creek Elementary & Middle SchoolC-
Elementary · Grades PK–8 · 4.0 mi
H
Murphy High SchoolB+
High · Grades 9–12 · 7.5 mi

District: Cherokee County Schools

Neighborhood · ZIP 28906These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.125

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.20,751
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.60 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,416
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,607
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.61 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

95 Rancho Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 75% of homes in Murphy 28906
  • Costs less per square foot than 66% of homes in Murphy 28906
  • Smaller than 80% of homes in Cherokee County
  • Older than 73% of homes in Murphy 28906

What homes are worth in Murphy 28906

Each bar is how many homes fall in that price range. The marker is this home.

This home
$43K$692K

This home is worth more than 25% of homes in Murphy 28906.

How it measures up in Murphy 28906

The dot is this home. The mark in the middle is the typical home in Murphy 28906.

Estimated value$176,683
CheaperTypical $277,122Pricier

Pricier than 25% of homes nearby

Price per ft²$184
CheaperTypical $226Pricier

Pricier than 34% of homes nearby

Living area960 ft²
SmallerTypical 1,319 ft²Bigger

Bigger than 21% of homes nearby

Lot size1.08 ac
SmallerTypical 1.34 acBigger

Bigger than 40% of homes nearby

Year built1980
OlderTypical 1996Newer

Newer than 27% of homes nearby

How 95 Rancho Ln ranks against every home in each area.
MeasureThis homeMurphy 28906Cherokee County
Estimated valuepricier than$176,68325% of homes29% of homes
Price per ft²pricier than$18434% of homes40% of homes
Living areabigger than960 ft²21% of homes20% of homes
Lot sizebigger than1.08 ac40% of homes41% of homes
Year builtnewer than198027% of homes31% of homes

About 95 Rancho Ln

How much is 95 Rancho Ln, Murphy, NC worth?

The TopHap Estimate for 95 Rancho Ln, Murphy, NC is $176,683 as of Jul 14, 2026. The likely range is $143,690 to $209,676. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 95 Rancho Ln, Murphy, NC last sell?

95 Rancho Ln, Murphy, NC last sold on Jan 1, 2013, according to the county's recorded deed.

How big is 95 Rancho Ln, Murphy, NC?

95 Rancho Ln, Murphy, NC has 3 bedrooms, 2 bathrooms, 960 square feet of living space and a 1.08-acre lot.

When was 95 Rancho Ln, Murphy, NC built?

95 Rancho Ln, Murphy, NC was built in 1980, making it 46 years old. The building has 2 stories.

What schools serve 95 Rancho Ln, Murphy, NC?

95 Rancho Ln, Murphy, NC is assigned to Martins Creek Elementary & Middle School (elementary), rated C-; Murphy High School (high), rated B+. All sit in Cherokee County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 95 Rancho Ln, Murphy, NC compare to other homes in Murphy 28906?

Among the 14,392 homes in Murphy 28906, it is worth more than 25% of them ($176,683 against a typical $277,122), its price per square foot is higher than 34% of them ($184 against a typical $226), it is bigger than 21% of them (960 ft² against a typical 1,319 ft²), its lot is bigger than 40% of them (1.08 ac against a typical 1.34 ac) and it is newer than 27% of them (1980 against a typical 1996). Measured against all of Cherokee County, it is worth more than 29% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 95 Rancho Ln, Murphy, NC?

The 2025 property tax bill for 95 Rancho Ln, Murphy, NC was $646. The county assessed it at $85,100.

Closest homes

More homes in Murphy 28906

Assigned schools

Explore the area

See this home in context

Open 95 Rancho Ln on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map