Cherokee County property record for 45 Spencer Ln, Marble, NC 28905
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,120 sqft · built 1954 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,500 (May 2013) |
| Tax Bill | $543 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 552502866300000 |
| Primary APN | 552502866300000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,120 sqft Heated Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 80 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Account Number | 37876 |
|---|---|
| Street Address | 45 SPENCER LN |
| City | MARBLE |
| State | NC |
| Zip | 28905-8895 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | FR DANTO 742/70 1245/297 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | VALLEYTOWN |
| Census Block Group | 1 |
| Census Block | 1087 |
| Census Tract | 930200 |
45 Spencer Ln, a rural home, is owned by two individuals who bought it in May 2013.
Source: Cherokee County records, as of October 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5473 PRIMROSE LN, YOUNG HARRIS, GA 30582-2615 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2013 · Amount on File |
| Deed Sale | May 1, 2013 · Amount on File |
| Deed Document Number | 0000044091 |
| Deed Book / Page | 1245 / 0297 |
| Prior Transfer Date | Aug 14, 2006 |
| Prior Transfer Doc | 2006-0001621 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 45 Spencer Ln was $543.
Source: Cherokee County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $543.00 | $68,990 | $68,990 Land $1,340 Building $67,650 |
| 2023 | $68,990 | $68,990 Land $1,340 Building $67,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Spencer Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 | 8 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2012 · other causes |
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 risk around 45 Spencer Ln is moderate, ranking above 61% 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 61% of the US · above 84% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARBLE COMMUNITY WTR SYSTEM private · serves 999 people · EPA ID NC0120025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 7 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.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Peachtree Broadband Fiber Cable | 500 / 30 |
5G (outdoors only) and 4G LTE
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