40 Refuge Ridge Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 40 Refuge Ridge Rd, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 798 sqft · built 2020
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (May 2021)
Tax Bill	$908 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`452200997797000`

Property Details

APN / Parcel Number

Primary APN	`452200997797000`
Alternative APN	`54496`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	798 sqft Heated Area
Gross Area	942 sqft
1st Floor Area	798 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	38,333 sqft (0.88 acres)
Lot Width	296 ft Width
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	54496
Street Address	40 REFUGE RIDGE RD
City	MURPHY
State	NC
Zip	28906-3136
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 1 THE REFUGE P/O 1651/870
Legal Subdivision	REFUGE SHOAL CREEK TOWNSHIP
Legal Lot Number	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2014
Census Tract	930606

Owner

Source: Cherokee County records, as of July 22, 2026

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	40 REFUGE RIDGE RD, MURPHY, NC 28906-3136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Deed Book / Page	1680 / 877
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	40 REFUGE RIDGE RD, MURPHY, NC 28906-3136
Transaction Type	Mortgage
Record Updated	Mar 8, 2023
Title Company	UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATL LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001710/311
Date	Apr 26, 2022
Book Page	1710/311
Instrument	2711

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	40 REFUGE RIDGE RD, MURPHY, NC 28906-3136
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001710/319
Date	Apr 26, 2022
Book Page	1710/319
Instrument	2712

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 13, 2021
Property Address	40 REFUGE RIDGE RD, MURPHY, NC 28906-3136
Document Number	001680/877
Book / Page	1680 / 877
Instrument Date	Apr 29, 2021
Instrument	3191
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1475, MURPHY, NC 28906-1475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 HOOK RD, WESTMINSTER, MD 21157-5861

Mortgage

Document Number	0001680880
Date	May 13, 2021
Instrument	1680/880

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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	$908.00	$116,850 (-)	$116,850 (-) Land $7,730 Building $109,120
2023		$116,850	$116,850 Land $7,730 Building $109,120

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	4 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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