38 Falls Rd, Andrews, NC 28901 Property Records

Cherokee County property record for 38 Falls Rd, Andrews, NC 28901

Property Summary

Property Type	Rural Home
Details	1 bd · 1.5 ba · 714 sqft · built 1996
Lot Size	3.88 acres (169,013 sqft)
Owner	2 Individuals on Record
Last Sale	$9,000 (Jul 1994)
Tax Bill	$629 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`557600817270000`

Property Details

APN / Parcel Number

Primary APN	`557600817270000`
Alternative APN	`770080082321`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	714 sqft Heated Area
Gross Area	1,032 sqft
1st Floor Area	714 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	169,013 sqft (3.88 acres)
Lot Width	516 ft Width
Porch	Slab
Porch Area	246 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	770080082321
Street Address	38 FALLS RD
City	ANDREWS
State	NC
Zip	28901-9315
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 14 RICHARDS PROP 638/181 710/41 H/358
Legal Subdivision	GERALD & SHERRY RIDDLEBARGER
Legal Phase	638
Legal Lot Number	14
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	1
Census Block	1001
Census Tract	930102

Owner

Source: Cherokee County assessment roll, 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 Individuals on Record
Mailing Address	38 FALLS RD, ANDREWS, NC 28901-9315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Nov 5, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1994 · Amount on Record
Deed Sale	Jul 1, 1994 · Amount on Record
Deed Book / Page	710 / 41
Last Transfer Date	Nov 5, 2025
Transfer Doc	001789/744
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Jul 1, 2026
Property Address	38 FALLS RD, ANDREWS, NC 28901-9315
Document Number	0000003312
Book / Page	1804 / 1262
Instrument Date	Jun 8, 2026
Instrument	20263312
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 FALLS RD, ANDREWS, NC 28901-9315

Mortgage

Document Number	0000003312,
Date	Jul 1, 2026
Book Page	1804/1262
Instrument	20263312

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 12, 2051

Interest

Rate	6.37%
Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Nov 5, 2025
Property Address	38 FALLS RD, ANDREWS, NC 28901-9315
Document Number	001789/744
Book / Page	1789 / 744
Instrument Date	Nov 5, 2025
Instrument	5420
Transaction Type	Transfer
Record Updated	Nov 13, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 FALLS RD, ANDREWS, NC 28901-9315

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	$629.00	$81,170 (-)	$81,170 (-) Land $16,410 Building $64,760
2023		$81,170	$81,170 Land $16,410 Building $64,760

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 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 69% of the US · above 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Falls Rd

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