118 W Ridge Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 118 W Ridge Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,016 sqft · built 1990
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Mar 2022)
Tax Bill	$1,000 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`458219627126000`

Property Details

APN / Parcel Number

Primary APN	`458219627126000`
Alternative APNs	`37618` `56946`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,016 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	205 ft deep x 194 ft wide
Garage Area	988 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	208 sqft
Deck Area	432 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	56946
Street Address	118 W RIDGE DR
City	MURPHY
State	NC
Zip	28906-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 16-5 TARHEEL WEST PH 1 1463/517
Legal Phase	1
Legal Tract	16
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	3
Census Block	3002
Census Tract	930502

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
Mailing Address	118 W RIDGE DR, MURPHY, NC 28906-2420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Oct 2, 2017	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Prior Sale	Apr 22, 2013 · Amount on Record
Deed Document Number	1605
Deed Book / Page	1706 / 543
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 11, 2022
Property Address	118 W RIDGE DR, MURPHY, NC 28906-2420
Document Number	001706/543
Book / Page	1706 / 543
Instrument Date	Feb 24, 2022
Instrument	1605
Transaction Type	Transfer
Record Updated	Mar 30, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6571 SWEET LAUREL RUN, 6571, SUGAR HILL, GA 30518-5568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 W RIDGE DR, MURPHY, NC 28906-2420

Mortgage

Document Number	0001706546
Date	Mar 11, 2022
Instrument	1706/546

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Mar 11, 2022
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	118 W RIDGE DR, MURPHY, NC 28906-2420
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01570/0610
Date	Oct 2, 2017
Book Page	01570/0610
Instrument	04436

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.27%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.27%
Index	1-Year LIBOR
Max Rate	9.27%

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,000.00	$129,110 (-)	$129,110 (-) Land $13,500 Building $115,610
2023		$129,110	$129,110 Land $13,500 Building $115,610

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 55% of the US · above 77% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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