1049 Valley River Ave, Murphy, NC 28906 Property Records

Cherokee County property record for 1049 Valley River Ave, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,248 sqft · built 1977
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Apr 2026)
Tax Bill	$700 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`459208785555000`

Property Details

APN / Parcel Number

Primary APN	`459208785555000`
Alternative APN	`56232`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
Gross Area	1,472 sqft
1st Floor Area	1,248 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	83 ft deep x 114 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	160 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56232
Street Address	1049 VALLEY RIVER AVE
City	MURPHY
State	NC
Zip	28906-2886
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FR E.A.D. CARROLL INVESTMENTS LLC 1578/600
Legal Lot Number	1249/67
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2013
Census Tract	930402

Owner

Source: Cherokee County records, as of May 14, 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 Record
Mailing Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Apr 30, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Dec 3, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jan 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Dec 3, 2021 · Amount on Record
Deed Document Number	20262090
Deed Book / Page	1800 / 654
Prior Transfer Date	Nov 16, 2021
Prior Transfer Doc	001698/181
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 30, 2026
Property Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886
Document Number	0000002090
Book / Page	1800 / 654
Instrument Date	Apr 17, 2026
Instrument	2026.2090
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886

Mortgage

Document Number	0000002091,
Date	Apr 30, 2026
Instrument	2026..2091

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 30, 2026
Property Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886
Document Number	001800/654
Book / Page	1800 / 654
Instrument Date	Apr 17, 2026
Instrument	20262090
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886

Mortgage

Document Number	0000002091,
Date	Apr 30, 2026
Instrument	20262091

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 3, 2021
Property Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886
Document Number	001698/181
Book / Page	1698 / 181
Instrument Date	Nov 16, 2021
Instrument	8128
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	241 BOULEVARD ST, 241, MURPHY, NC 28906-3050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886

Mortgage

Document Number	0001698183
Date	Dec 3, 2021
Instrument	1698/183

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jan 12, 2018
Property Address	1049 VALLEY RIVER AVE, MURPHY, NC 28906-2886
Document Number	01578/0600
Book / Page	01578 / 0600
Instrument Date	Jan 4, 2018
Instrument	00174
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Tax	$186.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 QUARTER MILE RD, 90, MURPHY, NC 28906-8170

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 BOULEVARD ST, MURPHY, NC 28906-3050

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$700.00	$100,920 (+0.84%)	$100,920 (+0.84%) Land $24,000 Building $76,920
2023		$100,080	$100,080 Land $24,000 Building $76,080

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

Flood

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
Nearby Flood Policies	1 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

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

Wildfire Risk	Moderate above 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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