440 Sapphire Rdg, Murphy, NC 28906 Property Records

Cherokee County property record for 440 Sapphire Rdg, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,660 sqft · built 2013
Lot Size	4.38 acres (190,793 sqft)
Owner	2 Individual Names on File
Last Sale	$5,000 (Dec 2023)
Tax Bill	$1,781 (2025)
Deeds & Mortgages	Dec 2023 Foreclosure Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`456100254407000`

Property Details

APN / Parcel Number

Primary APN	`456100254407000`
Alternative APN	`51758`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,660 sqft Heated Area
Gross Area	3,176 sqft
1st Floor Area	988 sqft
Upper Floors Area	672 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2016
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	190,793 sqft (4.38 acres)
Lot Width	972 ft Width
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	51758
Street Address	440 SAPPHIRE RDG
City	MURPHY
State	NC
Zip	28906-3565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P/O SANDY GAP DEVELOPMENT 1251/86
Legal Subdivision	SANDY GAP DEVELOPMENT
Jurisdiction	CHEROKEE NC
Township / Civil Division	NOTLA
Census Block Group	1
Census Block	1026
Census Tract	930603

Owner

440 Sapphire Rdg is owned by two individuals who bought it in December 2023.

Source: Cherokee County records, as of October 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 627, MURPHY, NC 28906-0627
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Dec 29, 2023	Commissioner's Deed, Foreclosure Foreclosure Auction
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 13, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2023 · Amount on File
Deed Sale	Dec 29, 2023 · Amount on File
Prior Sale	Apr 13, 2020 · Amount on File
Deed Document Number	20236645
Deed Book / Page	1749 / 28
Record Updated	Sep 20, 2026

December 2023: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 29, 2023
Property Address	440 SAPPHIRE RDG, MURPHY, NC 28906-3565
Document Number	0001749/28
Book / Page	1749 / 28
Instrument Date	Dec 6, 2023
Instrument	6645
Transaction Type	Foreclosure
Record Updated	May 22, 2024

Transaction

Amount	Amount on Record
Tax	$10.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 PATTON AVE # 500, 500, ASHEVILLE, NC 28801-3319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 627, MURPHY, NC 28906-0627

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	440 SAPPHIRE RDG, MURPHY, NC 28906-3565
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01670/1481
Date	Jan 28, 2021
Book Page	1670/1481
Instrument	626

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Apr 13, 2020
Property Address	440 SAPPHIRE RDG, MURPHY, NC 28906-3565
Document Number	001641/356
Book / Page	1641 / 356
Instrument Date	Mar 10, 2020
Instrument	1860
Transaction Type	Transfer
Record Updated	Oct 16, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1566, MURPHY, NC 28906-1566

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4412 VALLEY RD, SHERMANS DALE, PA 17090-8556

Mortgage

Document Number	0001641358
Date	Apr 13, 2020
Instrument	1641/358

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 440 Sapphire Rdg was $1,781.

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	$1,781.00	$252,390	$252,390 Land $26,820 Building $225,570
2023		$252,390	$252,390 Land $26,820 Building $225,570

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 440 Sapphire Rdg in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 440 Sapphire Rdg is moderate, ranking above 60% 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 Risk	Moderate above 60% of the US · above 82% of North Carolina
Wildfire Likelihood	0.2% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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