125 Sapphire Rdg, Murphy, NC 28906 Property Records

Cherokee County property record for 125 Sapphire Rdg, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 1,524 sqft · built 1999
Lot Size	2.42 acres (105,415 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jul 2021)
Tax Bill	$1,598 (2025)
Deeds & Mortgages	Aug 2023 Transfer Jul 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`456100167554000`

Property Details

APN / Parcel Number

Primary APN	`456100167554000`
Alternative APNs	`55264` `60894`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,524 sqft Heated Area
Gross Area	4,074 sqft
1st Floor Area	1,076 sqft
Upper Floors Area	448 sqft
Basement Area	442 sqft
Finished Basement	442 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	105,415 sqft (2.42 acres)
Lot Dimensions	390 ft deep x 470 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	508 sqft
Deck Area	880 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	60894
Street Address	125 SAPPHIRE RDG
City	MURPHY
State	NC
Zip	28906-4912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 CANNON ACRES 1687/100
Legal Subdivision	CANNON ACRES
Legal Lot Number	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1029
Census Tract	930603

Owner

125 Sapphire Rdg is owned and occupied by two individuals who acquired it in June 2023.

Source: Cherokee County records, as of October 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Intrafamily Transfer, Transfer
Jul 30, 2021	Warranty Deed, Transfer
Nov 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 7, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 13, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Mar 13, 2019 · Amount on File
Deed Document Number	20215044
Deed Book / Page	1687 / 100
Last Transfer Date	Jun 22, 2023
Transfer Doc	001741/587
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Aug 30, 2023
Property Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912
Document Number	001741/587
Book / Page	1741 / 587
Instrument Date	Aug 28, 2023
Instrument	4273
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 30, 2021
Property Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912
Document Number	1687/100
Book / Page	1687 / 100
Instrument Date	Jul 17, 2021
Instrument	5044
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 SAPPHIRE RDG, 125, MURPHY, NC 28906-4912

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1664/218
Date	Nov 10, 2020
Book Page	1664/218
Instrument	6810

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	COMMONWEALTH USA SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01635/0925
Date	Feb 7, 2020
Book Page	01635/0925
Instrument	00596

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 13, 2019
Property Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912
Document Number	01608/0671
Book / Page	01608 / 0671
Instrument Date	Mar 6, 2019
Instrument	01034
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 SAPPHIRE RDG, 125, MURPHY, NC 28906-4912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SAPPHIRE RDG, MURPHY, NC 28906-4912

Mortgage

Document Number	01035
Date	Mar 13, 2019
Instrument	01035

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 125 Sapphire Rdg was $1,598.

Source: Cherokee County assessment roll, as of October 10, 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	$1,598.00	$230,420	$230,420 Land $12,000 Building $218,420
2023		$230,420 (-)	$230,420 (-) Land $12,000 Building $218,420
2022	$1,588.00	$230,420	$230,420 Land $12,000 Building $218,420

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

Flood

FEMA maps place 125 Sapphire Rdg in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 125 Sapphire Rdg is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · above 82% of North Carolina
Wildfire Likelihood	0.2% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

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