Cherokee County property record for 322 Beaver Ridge Trl, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,861 sqft · built 1985 |
| Lot Size | 2.07 acres (90,605 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $178,000 (Oct 2019) |
| Tax Bill | $1,527 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 551101161435000 |
| Primary APN | 551101161435000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,861 sqft Heated Area |
| Upper Floors Area | 800 sqft |
| Basement Area | 785 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Wood |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 90,605 sqft (2.07 acres) |
| Lot Dimensions | 200 ft deep x 639 ft wide |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 230 sqft |
| Deck Area | 304 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 50774 |
|---|---|
| Street Address | 322 BEAVER RIDGE TRL |
| City | MURPHY |
| State | NC |
| Zip | 28906-7822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4 & 5 SEC 2 GENE SNEED PROP BEAVER RIDGE |
| Legal Lot Number | 4,5 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 930501 |
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 | 322 BEAVER RIDGE TRL, MURPHY, NC 28906-7822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU |
| Oct 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2019 · Amount on Record |
| Deed Sale | Oct 22, 2019 · Amount on Record |
| Deed Document Number | 05075 |
| Deed Book / Page | 01626 / 0655 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 322 BEAVER RIDGE TRL, MURPHY, NC 28906-7822 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0001708/11 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 1708/11 |
| Instrument | 2080 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Oct 22, 2019 |
| Property Address | 322 BEAVER RIDGE TRL, MURPHY, NC 28906-7822 |
| Document Number | 01626/0655 |
| Book / Page | 01626 / 0655 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 05075 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 218 COAN WATER LN, 218, HEATHSVILLE, VA 22473-2020 |
| Name | Verified Name |
|---|---|
| Address | 322 BEAVER RIDGE TRL, MURPHY, NC 28906-7822 |
| Document Number | 05076 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 05076 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
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 | $1,527.00 | $184,970 (-) | $184,970 (-) Land $30,000 Building $154,970 |
| 2023 | $184,970 | $184,970 Land $30,000 Building $154,970 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 6 (2020–2025) |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 86% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: Peachtree Broadband Fiber, RiverStreet Networks, T-Mobile.
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