318 First St, Andrews, NC 28901 Property Records

Cherokee County property record for 318 First St, Andrews, NC 28901

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,185 sqft · built 1910
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$73,000 (Apr 2018)
Tax Bill	$300 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`556613032893000`

Property Details

APN / Parcel Number

Primary APN	`556613032893000`
Alternative APN	`47576`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,185 sqft Heated Area
Gross Area	1,599 sqft
1st Floor Area	1,185 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	136 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	144 sqft
Carport	Carport
Carport Area	144 sqft
Porch	Slab
Porch Area	242 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil

Location & Zoning

Account Number	47576
Street Address	318 FIRST ST
City	ANDREWS
State	NC
Zip	28901-8083
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CB
Legal Description	LOT 32 M E COZAD 1524/939
Legal Subdivision	MRS M E COZARDS SUBDIVISION
Legal Lot Number	32
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	3
Census Block	3019
Census Tract	930101

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	Individual Name on Record
Mailing Address	318 FIRST ST, ANDREWS, NC 28901-8083
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2018 · Amount on Record
Deed Sale	Apr 17, 2018 · Amount on Record
Prior Sale	Sep 30, 2015 · Amount on Record
Deed Document Number	20181789
Deed Book / Page	1585 / 208
Prior Transfer Date	Oct 10, 2015
Prior Transfer Doc	01524/0939
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 17, 2018
Property Address	318 FIRST ST, ANDREWS, NC 28901-8083
Document Number	01585/0208
Book / Page	01585 / 0208
Instrument Date	Apr 17, 2018
Instrument	01789
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2391, ANDREWS, NC 28901-2391

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 1ST ST, ANDREWS, NC 28901-8083

Mortgage

Document Number	01790
Date	Apr 17, 2018
Instrument	01790

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
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
Municipality	Andrews Town
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$300.00	$35,380 (+3.12%)	$35,380 (+3.12%) Land $10,000 Building $25,380
2023		$34,310	$34,310 Land $10,000 Building $24,310

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	5 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 55% of the US · above 77% 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.

Drinking Water

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

Water System	TOWN OF ANDREWS serves 3,284 people · EPA ID NC0120020
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on First St

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