126 River Top Vw, Murphy, NC 28906 Property Records

Cherokee County property record for 126 River Top Vw, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,068 sqft · built 2006
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Company Names on Record
Last Sale	$432,000 (Mar 2022)
Tax Bill	$2,214 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`446900051393000`

Property Details

APN / Parcel Number

Primary APN	`446900051393000`
Alternative APNs	`52187` `57058`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,068 sqft Heated Area
Gross Area	4,834 sqft
1st Floor Area	1,270 sqft
Basement Area	1,126 sqft
Finished Basement	1,126 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	228 ft deep x 60 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	320 sqft
Deck Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	57058
Street Address	126 RIVER TOP VW
City	MURPHY
State	NC
Zip	28906-7802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 & P/O LOTS 6 & 7 RIVER TOP VIEW 1648/237
Legal Subdivision	RIVER TOP VIEW SUBDIVISION
Legal Lot Number	8-7
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	2
Census Block	2032
Census Tract	930605

Owner

Source: Cherokee County records, as of July 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	126 RIVER TOP VW, MURPHY, NC 28906-7802
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 28, 2022	Warranty Deed, Transfer
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Nov 26, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 19, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2022 · Amount on Record
Deed Sale	Mar 28, 2022 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	20221970
Deed Book / Page	1707 / 907
Last Transfer Date	Jul 15, 2025
Transfer Doc	01782/1320
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	126 RIVER TOP VW, MURPHY, NC 28906-7802
Transaction Type	Mortgage
Record Updated	Aug 28, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 RIVER TOP VW, MURPHY, NC 28906-7802

Mortgage

Document Number	001737/158
Date	Jun 21, 2023
Book Page	1737/158
Instrument	2988

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 28, 2022
Property Address	126 RIVER TOP VW, MURPHY, NC 28906-7802
Document Number	001707/907
Book / Page	1707 / 907
Instrument Date	Mar 15, 2022
Instrument	1970
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Amount	Amount Recorded
Tax	$864.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 S 19TH ST, 20, FERNANDINA BEACH, FL 32034-2767

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1619 SHEFFIELD PL, ORANGE PARK, FL 32073-5266

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 30, 2020
Property Address	126 RIVER TOP VW, MURPHY, NC 28906-7802
Document Number	1648/237
Book / Page	1648 / 237
Instrument Date	Jun 13, 2020
Instrument	3281
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	NOT AVAILABLE, NVR TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$565.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1035 W 4100 S, 1035, RIVERDALE, UT 84405-2661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 S 19TH ST, FERNANDINA BEACH, FL 32034-2767

Mortgage

Document Number	1648240
Date	Jun 30, 2020
Instrument	1648/240

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	126 RIVER TOP VW, MURPHY, NC 28906-7802
Transaction Type	Mortgage
Record Updated	Dec 25, 2019
Title Company	ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01630/0241
Date	Nov 26, 2019
Book Page	01630/0241
Instrument	05897

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 19, 2018
Property Address	126 RIVER TOP VW, MURPHY, NC 28906-7802
Document Number	01603/0677
Book / Page	01603 / 0677
Instrument Date	Dec 14, 2018
Instrument	06131
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$513.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1803 LAKEWOOD DR SE, 1803, CAIRO, GA 39828-3504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 RIVER TOP VW, MURPHY, NC 28906-7802

Mortgage

Document Number	06132
Date	Dec 19, 2018
Instrument	06132

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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	$2,214.00	$304,150 (-)	$304,150 (-) Land $30,000 Building $274,150
2023		$304,150	$304,150 Land $30,000 Building $274,150

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 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 63% of the US · above 86% 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 23 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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