440 Beaver Ridge Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 440 Beaver Ridge Trl, Murphy, NC 28906

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 1,760 sqft · built 1985
Lot Size0.98 acres (42,689 sqft)
OwnerIndividual Name on File
Last Sale$400,000 (Nov 2022)
Tax Bill$1,463 (2025)
Deeds & MortgagesSep 2018 Line of Credit
Jun 2020 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN551101165714000

Property Details

APN / Parcel Number

Primary APN551101165714000
Alternative APNs
  • 46381
  • 58923

Interior

Bedrooms3 Beds
Full Baths4 Baths
Stories2 Stories
Building Area1,760 sqft Heated Area
Upper Floors Area520 sqft
Basement Area520 sqft
Finished Basement520 sqft
FlooringCarpet
Interior WallsPlaster
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Exterior MaterialWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area42,689 sqft (0.98 acres)
Lot Dimensions153 ft deep x 332 ft wide
Garage Area720 sqft
Parking Spaces3 Parking Spaces
PorchOpen Porch
Porch Area352 sqft
Deck Area1,428 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number58923
Street Address440 BEAVER RIDGE TRL
CityMURPHY
StateNC
Zip28906-7823
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 7 SEC 2 GENE SNEED PROP BEAVER RIDGE 1570/317
Legal Lot Number7
JurisdictionCHEROKEE NC
Township / Civil DivisionMURPHY
Census Block Group2
Census Block2013
Census Tract930501

Owner

440 Beaver Ridge Trl is owned and occupied by an individual who acquired it in October 2025.

Source: Cherokee County records, as of October 21, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 4, 2018Deed of Trust, Mortgage · Line of Credit
FIRST CITIZENS BANK & TRUST CO
Jun 12, 2020Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS INC
Jun 8, 2021Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS LLC
Oct 9, 2025Public Action, Foreclosure · Conventional Mortgage
UNION HOME MORTGAGE CORP
Nov 9, 2022Warranty Deed, Transfer · Conventional Mortgage
BANK OF TENNESSEE
Sep 28, 2017Warranty Deed, Transfer · VA Mortgage
HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 9, 2022 · Amount on File
Deed SaleNov 9, 2022 · Amount on File
Prior SaleNov 9, 2022 · Amount on File
Deed Document Number001724/854
Deed Book / Page1724 / 854
Last Transfer DateOct 9, 2025
Transfer Doc001787/950
Record UpdatedJun 8, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE NC
Property Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823
Transaction TypeMortgage
Record UpdatedOct 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number01594/1082
DateSep 4, 2018
Book Page01594/1082
Instrument04204
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressRALEIGH, NC 27611
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE NC
Property Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823
Transaction TypeMortgage
Record UpdatedOct 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number001646/393
DateJun 12, 2020
Book Page1646/393
Instrument2907
Lender
NameQUICKEN LOANS INC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2050

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE NC
Property Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823
Transaction TypeMortgage
Record UpdatedOct 22, 2025
Title CompanyUNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number01682/1392
DateJun 8, 2021
Book Page1682/1392
Instrument3832
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressFARWELL, MI 48622
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

October 2025: Public Action, Foreclosure

Document TypePublic Action
JurisdictionCHEROKEE NC
Recording DateOct 9, 2025
Property Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823
Document Number001787/950
Book / Page1787 / 950
Instrument DateSep 23, 2025
Instrument4936
Transaction TypeForeclosure
Record UpdatedOct 22, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$842.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823

Mortgage

Document Number0001787953
DateOct 9, 2025
Instrument1787/953
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2055

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE NC
Recording DateNov 9, 2022
Property Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823
Document Number001724/854
Book / Page1724 / 854
Instrument DateNov 1, 2022
Instrument7182
Transaction TypeTransfer
Record UpdatedNov 30, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28 W 8TH AVE, 28, COAL CREEK, CO 81221-5017

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823

Mortgage

Document Number001724/859
DateNov 9, 2022
Book Page1724/859
Instrument7183
Lender
NameBANK OF TENNESSEE
TypeBank
AddressKINGSPORT, TN 37660
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 9, 2052

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE NC
Recording DateSep 28, 2017
Property Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823
Document Number01570/0317
Book / Page01570 / 0317
Instrument DateSep 28, 2017
Instrument04380
Transaction TypeTransfer
Record UpdatedMar 8, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$356.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address98 GOLDENROD DR, HIAWASSEE, GA 30546-2172

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823

Mortgage

Document Number0000004381
DateSep 28, 2017
Instrument04381
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 440 Beaver Ridge Trl was $1,463.

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCherokee County
Unified School DistrictCherokee County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,463.00$194,380$194,380 Land $15,000 Building $179,380
2023$179,950$179,950 Land $15,000 Building $164,950

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

Flood

FEMA maps place 440 Beaver Ridge Trl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective February 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims6 (2020–2025)
Most Recent ClaimApr 2025 · rainfall accumulation
Claims by Event
  • Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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

Wildfire risk around 440 Beaver Ridge Trl is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 64% of the US · above 86% of North Carolina
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOWN OF MURPHY
serves 4,498 people · EPA ID NC0120010
Water SourceSurface water
Last State InspectionJan 2026
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting5
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fixed Wireless
300 / 20
Starlink
Satellite
280 / 30

May also be available: Peachtree Broadband Fiber, RiverStreet Networks, T-Mobile.

Nearby Properties on Beaver Ridge Trl

Nearby Streets

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