420 W Ridge Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 420 W Ridge Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,248 sqft · built 1995
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on Record
Last Sale	$289,000 (Jul 2022)
Tax Bill	$1,006 (2025)
Deeds & Mortgages	Jul 2022 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`458215631477000`

Property Details

APN / Parcel Number

Primary APN	`458215631477000`
Alternative APNs	`55465` `57971`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,248 sqft Heated Area
Basement Area	384 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	41,818 sqft (0.96 acres)
Lot Dimensions	288 ft deep x 193 ft wide
Porch	Open Porch
Porch Area	112 sqft
Deck Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	57971
Street Address	420 W RIDGE DR
City	MURPHY
State	NC
Zip	28906-8640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 24-3 PH 1 TARHEEL WEST 1689/271
Legal Phase	1
Legal Tract	24
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	3
Census Block	3002
Census Tract	930502

Owner

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
Mailing Address	420 W RIDGE DR, MURPHY, NC 28906-8640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Warranty Deed, Transfer
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Oct 15, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	4594
Deed Book / Page	1716 / 586
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 12, 2022
Property Address	420 W RIDGE DR, MURPHY, NC 28906-8640
Document Number	001716/586
Book / Page	1716 / 586
Instrument Date	Jul 6, 2022
Instrument	4594
Transaction Type	Transfer
Record Updated	Jul 26, 2022

Transaction

Amount	Amount Recorded
Tax	$578.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	886 SALEM CHURCH RD, 886, BOSTIC, NC 28018-7540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 W RIDGE DR, MURPHY, NC 28906-8640

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 25, 2021
Property Address	420 W RIDGE DR, MURPHY, NC 28906-8640
Document Number	1689/271
Book / Page	1689 / 271
Instrument Date	Jul 30, 2021
Instrument	5668
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	477 W RIDGE DR, 477, MURPHY, NC 28906-8640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 W RIDGE DR, MURPHY, NC 28906-8640

Mortgage

Document Number	1689274
Date	Aug 25, 2021
Instrument	1689/274

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 15, 2019
Property Address	420 W RIDGE DR, MURPHY, NC 28906-8640
Document Number	01625/1090
Book / Page	01625 / 1090
Instrument Date	Sep 27, 2019
Instrument	04938
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7218 GALLERY LN, 7218, VERO BEACH, FL 32966-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 W RIDGE DR, MURPHY, NC 28906-8640

Mortgage

Document Number	016251094
Date	Oct 15, 2019
Instrument	01625/1094

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 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	$1,006.00	$129,990 (-)	$129,990 (-) Land $10,000 Building $119,990
2023		$129,990	$129,990 Land $10,000 Building $119,990

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.1% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Peachtree Broadband Fiber.

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