184 Ridgecrest Ave, Marble, NC 28905 Property Records

Cherokee County property record for 184 Ridgecrest Ave, Marble, NC 28905

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,503 sqft · built 1968
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Sep 2020)
Tax Bill	$741 (2025)
Deeds & Mortgages	May 2017 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551402978453000`

Property Details

APN / Parcel Number

Primary APN	`551402978453000`
Alternative APN	`52788`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,503 sqft Heated Area
Gross Area	1,764 sqft
1st Floor Area	1,503 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1972
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	235 ft deep x 205 ft wide
Porch	Patio
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	52788
Street Address	184 RIDGECREST AVE
City	MARBLE
State	NC
Zip	28905-8439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK B MALTBY HOMESITES 1603/76 A/12
Legal Subdivision	MALTBY HOMESITES
Legal Block	B
Legal Lot Number	5
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1022
Census Tract	930402

Owner

Source: Cherokee County records, as of October 10, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	184 RIDGECREST AVE, MARBLE, NC 28905-8439
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 18, 2020	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Dec 14, 2018	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on Record
Deed Sale	Sep 18, 2020 · Amount on Record
Prior Sale	Dec 14, 2018 · Amount on Record
Deed Document Number	20205208
Deed Book / Page	1656 / 1000
Prior Transfer Date	Nov 14, 2013
Prior Transfer Doc	01481/0673
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	184 RIDGECREST AVE, MARBLE, NC 28905-8439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01560/0171
Date	May 10, 2017
Book Page	01560/0171
Instrument	02001

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 18, 2020
Property Address	184 RIDGECREST AVE, MARBLE, NC 28905-8439
Document Number	1656/1000
Book / Page	1656 / 1000
Map Reference	CAB A SL 156
Instrument Date	Sep 2, 2020
Instrument	5208
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	184 RIDGECREST AVE, 184, MARBLE, NC 28905-8439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 RIDGECREST AVE, MARBLE, NC 28905-8439

Mortgage

Document Number	16561002
Date	Sep 18, 2020
Instrument	1656/1002

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	10.3%
Max Rate	10.3%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 14, 2018
Property Address	184 RIDGECREST AVE, MARBLE, NC 28905-8439
Document Number	01603/0076
Book / Page	01603 / 0076
Map Reference	CAB A SL 156
Instrument Date	Dec 7, 2018
Instrument	06029
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	184 RIDGECREST AVE, 184, MARBLE, NC 28905-8439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 RIDGECREST AVE, MARBLE, NC 28905-8439

Mortgage

Document Number	06030
Date	Dec 14, 2018
Instrument	06030

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

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	$741.00	$98,940 (-)	$98,940 (-) Land $15,000 Building $83,940
2023		$98,940	$98,940 Land $15,000 Building $83,940

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	4 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 66% of the US · above 89% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MARBLE COMMUNITY WTR SYSTEM private · serves 999 people · EPA ID NC0120025
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	6 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Peachtree Broadband Fiber, Verizon.

Cell Coverage

4G LTE only, no 5G reported

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