Cherokee County property record for 140 Ridge Ln, Murphy, NC 28906 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,120 sqft Heated Area |
| Lot Size | 30,928 sqft (0.71 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $175,000 (2017) |
| Tax Bill | $1,327.00 (2025) |
| Primary APN | 459205083041000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,120 sqft Heated Area |
| Basement Area | 560 sqft Basement |
| Finished Basement | 560 sqft Finished |
| Primary Flooring | Wood Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 30,928 sqft (0.71 acres) |
| Depth X Width | 221 ft x 168 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 560 sqft Garage |
| Deck Area | 320 sqft Deck |
|---|---|
| Porch | Open Porch |
| Porch Area | 112 sqft Porch |
| Topography | Mountain Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 46120 |
|---|---|
| Street Address | 140 RIDGE LN |
| City | MURPHY |
| State | NC |
| Zip | 28906-8936 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 2 TR 54 SEC 1 TARHEEL PROP 888/36 |
| Legal Phase | 888 |
| Legal Tract | 54 |
| Legal Lot Number | 2 |
| Jurisdiction | CHEROKEE NC |
| Minor Civil Division | MURPHY |
| Census Blockgroup | 3 |
| Census Block | 3001 |
| Census Tract | 930502 |
Source: Cherokee County records · APN 459205083041000
Assessment roll updated January 1, 2025 · Last verified October 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 140 RIDGE LN, MURPHY, NC 28906-8936 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| May 16, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 10, 2017 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 10, 2017 · Amount on Record |
| Deed Sale | Aug 10, 2017 · Amount on Record |
| Deed Doc Number | 03520 |
| Deed Book / Page | 01566 / 0677 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 140 RIDGE LN, MURPHY, NC 28906-8936 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01711/1263 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 1711/1263 |
| Instrument | 3197 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 140 RIDGE LN, MURPHY, NC 28906-8936 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01711/1281 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 1711/1281 |
| Instrument | 3198 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MURPHY, NC 28906 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Aug 10, 2017 |
| Property Address | 140 RIDGE LN, MURPHY, NC 28906-8936 |
| Document Number | 01566/0677 |
| Book / Page | 01566 / 0677 |
| Instrument Date | Jul 06, 2017 |
| Instrument | 03520 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7226 BALTUSROL DR, 7226, NEW PORT RICHEY, FL 34654-5903 |
| Name | Verified Name |
|---|---|
| Address | 140 RIDGE LN, MURPHY, NC 28906-8936 |
| Document Number | 03521 |
|---|---|
| Date | Aug 10, 2017 |
| Instrument | 03521 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,327.00 | $175,270 (-) | $175,270 (-) Land $22,000 Building $153,270 |
| 2023 | $175,270 | $175,270 Land $22,000 Building $153,270 |
140 Ridge Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Cherokee County (37039C), updated February 5, 2020
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 40th percentile of exposed land nationally · 58th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,389 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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