Cherokee County property record for 1074 Valley River Ave, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,736 sqft · built 1947 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Feb 2021) |
| Tax Bill | $911 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 459208789128000 |
| Primary APN | 459208789128000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,736 sqft Heated Area |
| Gross Area | 2,180 sqft |
| 1st Floor Area | 1,232 sqft |
| Upper Floors Area | 504 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Asbestos |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 199 ft deep x 60 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Patio Area | 104 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 53973 |
|---|---|
| Street Address | 1074 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 | LOT 11 E S MILLER SUB 1631/738 A/25 (MV REALTY 1723/217) |
| Legal Subdivision | MILLER SUB |
| Legal Lot Number | 11 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 930402 |
Source: Cherokee County records · APN 459208789128000
Assessment roll updated October 10, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 01, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 07, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 26, 2021 | Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP |
| Dec 13, 2019 | Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 29, 2018 | Warranty Deed, Transfer · FHA Mortgage FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 26, 2021 · Amount on Record |
| Deed Sale | Feb 26, 2021 · Amount on Record |
| Prior Sale | Dec 13, 2019 |
| Deed Document Number | 20211290 |
| Deed Book / Page | 1673 / 835 |
| Prior Transfer Date | Dec 09, 2019 |
| Prior Transfer Doc | 01631/0738 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Document Number | 01717/1014 |
|---|---|
| Date | Aug 01, 2022 |
| Book Page | 1717/1014 |
| Instrument | 5016 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 1659/383 |
|---|---|
| Date | Oct 07, 2020 |
| Book Page | 1659/383 |
| Instrument | 5696 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Mar 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Feb 26, 2021 |
| Property Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Document Number | 1673/835 |
| Book / Page | 1673 / 835 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 1290 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1074 VALLEY RIVER AVE, 1074, MURPHY, NC 28906-2886 |
| Name | Verified Name |
|---|---|
| Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Document Number | 1673837 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 1673/837 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Dec 13, 2019 |
| Property Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Document Number | 01631/0738 |
| Book / Page | 01631 / 0738 |
| Instrument Date | Dec 09, 2019 |
| Instrument | 06274 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Document Number | 016310741 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 01631/0741 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Jun 29, 2018 |
| Property Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Document Number | 01590/0644 |
| Book / Page | 01590 / 0644 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 03161 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $196.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4236 PALM BAY CIRD, 4236, WEST PALM BEACH, FL 33406 |
| Name | Verified Name |
|---|---|
| Address | 1074 VALLEY RIVER AVE, MURPHY, NC 28906-2886 |
| Document Number | 03162 |
|---|---|
| Date | Jun 29, 2018 |
| Instrument | 03162 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2048 |
Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Municipality | Murphy Town |
| Unified School District | Cherokee County Schools (PK - 12) |
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 | $911.00 | $135,440 (-) | $135,440 (-) Land $24,000 Building $111,440 |
| 2023 | $135,440 | $135,440 Land $24,000 Building $111,440 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CND Acquisition.
Based on FCC filings for 157 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF MURPHY serves 4,498 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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