120 Falls Rd, Andrews, NC 28901 Property Records

Cherokee County property record for 120 Falls Rd, Andrews, NC 28901

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,176 sqft · built 2006
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (Sep 2023)
Tax Bill	$782 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557600819076000`

Property Details

APN / Parcel Number

Primary APN	`557600819076000`
Alternative APNs	`55003` `61063`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,176 sqft Heated Area
Upper Floors Area	392 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	44,867 sqft (1.03 acres)
Lot Dimensions	411 ft deep x 126 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	224 sqft
Parking Spaces	1 Parking Space
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Electric

Location & Zoning

Account Number	61063
Street Address	120 FALLS RD
City	ANDREWS
State	NC
Zip	28901-9276
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 5 P/O TR 72 1684/1304
Legal Tract	72
Legal Lot Number	5
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	1
Census Block	1001
Census Tract	930102

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	5115 BUCHANAN RD, DELRAY BEACH, FL 33484-4211
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Warranty Deed, Transfer · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Nov 7, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	4683
Deed Book / Page	1742 / 973
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 20, 2023
Property Address	120 FALLS RD, ANDREWS, NC 28901-9276
Document Number	001742/973
Book / Page	1742 / 973
Instrument Date	Sep 13, 2023
Instrument	4683
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$618.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13966 SOUND OVERLOOK DR N, JACKSONVILLE, FL 32224-1380

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 BUCHANAN RD, DELRAY BEACH, FL 33484-4211

Mortgage

Document Number	0001742977
Date	Sep 20, 2023
Instrument	1742/977

Lender

Name	INVESTOR MORTGAGE FINANCE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.45%
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	8.45%
Max Rate At Change	10.4%
Max Rate	13.4%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 30, 2021
Property Address	120 FALLS RD, ANDREWS, NC 28901-9276
Document Number	01684/1304
Book / Page	1684 / 1304
Instrument Date	Jun 29, 2021
Instrument	4408
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13966 SOUND OVERLOOK DR N, JACKSONVILLE, FL 32224-1380

Mortgage

Document Number	0016841307
Date	Jun 30, 2021
Instrument	1684/1307

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 7, 2019
Property Address	120 FALLS RD, ANDREWS, NC 28901-9276
Document Number	01628/0343
Book / Page	01628 / 0343
Instrument Date	Nov 5, 2019
Instrument	05417
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	78 LOOKING GLASS RD, 78, ANDREWS, NC 28901-0450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 FALLS RD, ANDREWS, NC 28901-9276

Mortgage

Document Number	0016280346
Date	Nov 7, 2019
Instrument	01628/0346

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

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	$782.00	$104,980 (-)	$104,980 (-) Land $9,390 Building $95,590
2023		$104,980	$104,980 Land $9,390 Building $95,590

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 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 69% of the US · above 91% of North Carolina
Wildfire Likelihood	0.3% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Falls Rd

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