326 Boyd Ridge Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 326 Boyd Ridge Dr, Murphy, NC 28906 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,800 sqft · built 1998
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$104,000 (Jun 1998)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`553200168161000`

Property Details

APN / Parcel Number

Primary APN	`553200168161000`
Alternative APN	`440045092554`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Heated Area
Gross Area	2,746 sqft
1st Floor Area	1,032 sqft
Upper Floors Area	528 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	28,750 sqft (0.66 acres)
Lot Dimensions	226 ft deep x 103 ft wide
Terrain	Mountain
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	318 sqft
Deck Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	440045092554
Street Address	326 BOYD RIDGE DR
City	MURPHY
State	NC
Zip	28906-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BOYD RIDGE SUB 830/7
Legal Subdivision	BOYD RIDGE SUB
Legal Lot Number	13
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1007
Census Tract	930401

Owner

Source: Cherokee County records · APN 553200168161000

Assessment roll updated October 10, 2025 · Last verified July 2026

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 File
Mailing Address	326 BOYD RIDGE DR, MURPHY, NC 28906-3712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 08, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Feb 22, 2022	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 02, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 1998 · Amount on Record
Deed Sale	Jun 01, 1998 · Amount on Record
Deed Book / Page	830 / 7
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Jul 08, 2026
Property Address	326 BOYD RIDGE DR, MURPHY, NC 28906-3712
Document Number	0000003411
Book / Page	1805 / 250
Instrument Date	Jul 02, 2026
Instrument	20263411
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 BOYD RIDGE DR, MURPHY, NC 28906-3712

Mortgage

Document Number	0000003411,
Date	Jul 08, 2026
Book Page	1805/250
Instrument	20263411

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 01, 2046

Interest

Rate	6.48%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 BOYD RIDGE DR, MURPHY, NC 28906-3712
Transaction Type	Mortgage
Record Updated	Mar 04, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001704/947
Date	Feb 22, 2022
Book Page	1704/947
Instrument	1133

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 BOYD RIDGE DR, MURPHY, NC 28906-3712
Transaction Type	Mortgage
Record Updated	Feb 08, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1670/522
Date	Jan 21, 2021
Book Page	1670/522
Instrument	466

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	326 BOYD RIDGE DR, MURPHY, NC 28906-3712
Transaction Type	Mortgage
Record Updated	May 06, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1640/320
Date	Apr 02, 2020
Book Page	1640/320
Instrument	1685

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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	$1,372.00	$183,930 (-)	$183,930 (-) Land $25,000 Building $158,930
2023		$183,930	$183,930 Land $25,000 Building $158,930

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399304011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Moderate above 70% of the US · above 92% of North Carolina
Wildfire Likelihood	About 1 in 340 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 28 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
CND Acquisition	Cable	500 / 30
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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