1114 Valley River Ave, Murphy, NC 28906 Property Records

Cherokee County property record for 1114 Valley River Ave, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 1954
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (May 2021)
Tax Bill	$905 (2025)
Deeds & Mortgages	May 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`459208880390000`

Property Details

APN / Parcel Number

Primary APN	`459208880390000`
Alternative APN	`54561`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,728 sqft Heated Area
Upper Floors Area	864 sqft
Basement Area	864 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	196 ft deep x 91 ft wide
Porch	Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54561
Street Address	1114 VALLEY RIVER AVE
City	MURPHY
State	NC
Zip	28906-2887
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FR BECK 1548/794 A/25
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2030
Census Tract	930402

Owner

Source: Cherokee County records, as of October 9, 2025

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
Co-owner	Co-owner on Record
Mailing Address	95 MIPO DR, MURPHY, NC 28906-7244
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Nov 16, 2016 · Amount on Record
Deed Document Number	3205
Deed Book / Page	1680 / 953
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 14, 2021
Property Address	1114 VALLEY RIVER AVE, MURPHY, NC 28906-2887
Document Number	1680/953
Book / Page	1680 / 953
Instrument Date	May 6, 2021
Instrument	3205
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	243 RITTER RD, 243, HAYESVILLE, NC 28904-7505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 MIPO DR, MURPHY, NC 28906-7244

Mortgage

Document Number	1680955
Date	May 14, 2021
Instrument	1680/955

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 14, 2041

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$905.00	$134,510 (-)	$134,510 (-) Land $24,000 Building $110,510
2023		$134,510	$134,510 Land $24,000 Building $110,510

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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 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.

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