Cherokee County property record for 231 W Ridge Dr, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,165 sqft · built 1998 |
| Lot Size | 1.49 acres (64,904 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $242,500 (Aug 2012) |
| Tax Bill | $2,016 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 458219623446000 |
| Primary APN | 458219623446000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,165 sqft Heated Area |
| Upper Floors Area | 1,160 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Combination |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 64,904 sqft (1.49 acres) |
| Lot Dimensions | 210 ft deep x 326 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 392 sqft |
| Deck Area | 405 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 36508 |
|---|---|
| Street Address | 231 W RIDGE DR |
| City | MURPHY |
| State | NC |
| Zip | 28906-8642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | P/O TR 21-2 TARHEEL WEST PH 1 853/194 961/42 A/71H |
| Legal Phase | 1 |
| Legal Tract | 21 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 930502 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 231 W RIDGE DR, MURPHY, NC 28906-8642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FINANCIAL CORP |
| Dec 3, 2019 | Deed of Trust, Mortgage · FHA Mortgage FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2012 · Amount on Record |
| Deed Sale | Aug 31, 2012 · Amount on Record |
| Deed Document Number | 2012-04268 |
| Deed Book / Page | 1445 / 0987 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 231 W RIDGE DR, MURPHY, NC 28906-8642 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001745/641 |
|---|---|
| Date | Oct 31, 2023 |
| Book Page | 1745/641 |
| Instrument | 5547 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 231 W RIDGE DR, MURPHY, NC 28906-8642 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 01630/0741 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 01630/0741 |
| Instrument | 06010 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,016.00 | $272,380 (-) | $272,380 (-) Land $14,900 Building $257,480 |
| 2023 | $272,380 | $272,380 Land $14,900 Building $257,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 5, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 77% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| RiverStreet Networks Fixed Wireless | 25 / 3 |
May also be available: Peachtree Broadband Fiber.
5G (outdoors only) and 4G LTE
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