Cherokee County property record for 40 Valley River Ave, Murphy, NC 28906 · Last verified April 2026
| Property Type | Commercial |
|---|---|
| Details | 2,452 sqft · built 1920 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Company Name on File |
| Last Sale | $150,000 (Feb 2018) |
| Tax Bill | $1,457 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Apr 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 459210459173000 |
| Primary APN | 459210459173000 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 19 Plumbing Fixtures |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,452 sqft Base Area |
| Gross Area | 5,000 sqft |
| 1st Floor Area | 2,452 sqft |
| Upper Floors Area | 2,500 sqft |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Wood Truss |
| Roof Material | Built-Up Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Porch | Slab |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 54427 |
|---|---|
| Street Address | 40 VALLEY RIVER AVE |
| City | MURPHY |
| State | NC |
| Zip | 28906-2955 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | OLD JOHN E FAIN STORE BUILDING 1580/740 |
| Legal Subdivision | J E FAIN STORE BUILDING |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 930402 |
Source: Cherokee County records · APN 459210459173000
Assessment roll updated October 10, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 40 VALLEY RIVER AVE, MURPHY, NC 28906-2955 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST BANK |
| Apr 29, 2021 | Warranty Deed, Transfer · Line of Credit COMMUNITY FIRST BANK |
| Feb 14, 2018 | Warranty Deed, Transfer · Commercial Mortgage ENTEGRA BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 14, 2018 · Amount on Record |
| Deed Sale | Feb 14, 2018 · Amount on Record |
| Deed Document Number | 2018713 |
| Deed Book / Page | 1580 / 740 |
| Prior Transfer Date | Jun 01, 2012 |
| Prior Transfer Doc | 1444/0168 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 40 VALLEY RIVER AVE, MURPHY, NC 28906-2955 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001714/468 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 1714/468 |
| Instrument | 3926 |
| Name | COMMUNITY FIRST BANK |
|---|---|
| Type | Bank |
| Address | WAYNESVILLE, NC 28786 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Apr 29, 2021 |
| Property Address | 40 VALLEY RIVER AVE, MURPHY, NC 28906-2955 |
| Document Number | 1679/521 |
| Book / Page | 1679 / 521 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2848 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 VALLEY RIVER AVE, 40, MURPHY, NC 28906-2955 |
| Name | Verified Name |
|---|---|
| Address | 40 VALLEY RIVER AVE, MURPHY, NC 28906-2955 |
| Document Number | 1679/524 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 1679/524 |
| Instrument | 2849 |
| Name | COMMUNITY FIRST BANK |
|---|---|
| Type | Bank |
| Address | SENECA, SC 29679 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Feb 14, 2018 |
| Property Address | 40 VALLEY RIVER AVE, MURPHY, NC 28906-2955 |
| Document Number | 01580/0740 |
| Book / Page | 01580 / 0740 |
| Map Reference | 7 |
| Instrument Date | Jan 25, 2018 |
| Instrument | 00713 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 56 FAIN ST, 56, MURPHY, NC 28906-2885 |
| Name | Verified Name |
|---|---|
| Address | 563 PINE TREE RD, MURPHY, NC 28906-5179 |
| Document Number | 00714 |
|---|---|
| Date | Feb 14, 2018 |
| Instrument | 00714 |
| Name | ENTEGRA BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Municipality | Murphy Town |
| Unified School District | Cherokee County Schools (PK - 12) |
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 | $1,457.00 | $238,890 (-) | $238,890 (-) Land $25,000 Building $213,890 |
| 2023 | $238,890 | $238,890 Land $25,000 Building $213,890 |
Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399304022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Low above 32% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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