45 Somerset Ridge Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 45 Somerset Ridge Dr, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,906 sqft · built 2006
Lot Size	0.789 acres (34,412 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Sep 2021)
Tax Bill	$3,490 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`458112864332000`

Property Details

APN / Parcel Number

Primary APN	`458112864332000`
Alternative APN	`55525`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,906 sqft Heated Area
Upper Floors Area	924 sqft
Basement Area	1,422 sqft
Finished Basement	1,422 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	34,412 sqft (0.789 acres)
Lot Dimensions	175 ft deep x 359 ft wide
Terrain	Mountain
Garage Type	Mixed
Garage Area	1,288 sqft
Parking Spaces	5 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	432 sqft
Deck Area	1,874 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	55525
Street Address	45 SOMERSET RIDGE DR
City	MURPHY
State	NC
Zip	28906-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 46 HUNTINGTON WOODS 1159/737
Legal Lot Number	46
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1015
Census Tract	930502

Owner

45 Somerset Ridge Dr is owned and occupied by an individual who bought it in September 2021.

Source: Cherokee County records, as of October 9, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	45 SOMERSET RIDGE DR, MURPHY, NC 28906-8005
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on File
Deed Sale	Sep 1, 2021 · Amount on File
Prior Sale	May 31, 2005
Deed Document Number	0000075391
Deed Book / Page	753 / 91
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 1, 2021
Property Address	45 SOMERSET RIDGE DR, MURPHY, NC 28906-8005
Document Number	01689/1355
Book / Page	1689 / 1355
Instrument Date	Aug 30, 2021
Instrument	5867
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4446 HENDRICKS AVE # 375, 4446, JACKSONVILLE, FL 32207-6369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1597 PEABODY AVE, MEMPHIS, TN 38104-3832

Mortgage

Document Number	0016891363
Date	Sep 1, 2021
Instrument	1689/1363

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 45 Somerset Ridge Dr was $3,490.

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	$3,490.00	$480,380	$480,380 Land $30,000 Building $450,380
2023		$480,380	$480,380 Land $30,000 Building $450,380

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

Flood

FEMA maps place 45 Somerset Ridge Dr 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	7 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 45 Somerset Ridge Dr is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 91% of North Carolina
Wildfire Likelihood	0.3% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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