46 Valley River Ave, Murphy, NC 28906 Property Records

Cherokee County property record for 46 Valley River Ave, Murphy, NC 28906 · Last verified October 2025

Property Summary

Property Type	Commercial
Details	4,825 sqft · built 1940
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on File
Last Sale	$540,000 (Oct 2023)
Tax Bill	$2,377 (2025)
Deeds & Mortgages	Oct 2023 Sale & Second Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`459211550113000`

Property Details

APN / Parcel Number

Primary APN	`459211550113000`
Alternative APNs	`52062` `61173`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	4,825 sqft Base Area
Upper Floors Area	4,900 sqft
Basement Area	4,900 sqft
Finished Basement	4,900 sqft
Flooring	Wood
Interior Walls	Wood
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Canopy	375 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	61173
Street Address	46 VALLEY RIVER AVE
City	MURPHY
State	NC
Zip	28906-2903
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOTS 7 & 8 TOWN OF MURPHY 1645/914
Legal Lot Number	7,8
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2052
Census Tract	930402

Owner

Source: Cherokee County records · APN 459211550113000

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	46 VALLEY RIVER AVE, MURPHY, NC 28906-2903
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 04, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage J&M OF MURPHY LLC
Jun 05, 2020	Warranty Deed, Transfer · Line of Credit NANTAHALA BANK & TRUST COMPANY
Jun 05, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2023 · Amount on Record
Deed Sale	Oct 04, 2023 · Amount on Record
Prior Sale	Jun 05, 2020
Deed Document Number	4955
Deed Book / Page	1743 / 799
Record Updated	Jun 08, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 04, 2023
Property Address	46 VALLEY RIVER AVE, MURPHY, NC 28906-2903
Document Number	001743/799
Book / Page	1743 / 799
Instrument Date	Oct 04, 2023
Instrument	4955
Transaction Type	Transfer
Record Updated	Oct 26, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	954 BOILING SPRINGS RD, MURPHY, NC 28906-7531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 VALLEY RIVER AVE, MURPHY, NC 28906-2903

Mortgage

Document Number	0001743802
Date	Oct 04, 2023
Instrument	1743/802

Lender

Name	J&M OF MURPHY LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 04, 2028

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 05, 2020
Property Address	46 VALLEY RIVER AVE, MURPHY, NC 28906-2903
Document Number	1645/914
Book / Page	1645 / 914
Instrument Date	Jun 05, 2020
Instrument	2791
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 VALLEY RIVER AVE, 46, MURPHY, NC 28906-2903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 VALLEY RIVER AVE, MURPHY, NC 28906-2903

Mortgage

Document Number	1645916
Date	Jun 05, 2020
Instrument	1645/916

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 05, 2035

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 05, 2020
Property Address	46 VALLEY RIVER AVE, MURPHY, NC 28906-2903
Document Number	1645/912
Book / Page	1645 / 912
Instrument Date	Jun 01, 2020
Instrument	2790
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 VALLEY RIVER AVE, 46, MURPHY, NC 28906-2903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 VALLEY RIVER AVE, MURPHY, NC 28906-2903
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Municipality	Murphy Town
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,377.00	$389,680 (-)	$389,680 (-) Land $50,000 Building $339,680
2023		$389,680	$389,680 Land $50,000 Building $339,680

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399304022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 35% of the US · above 49% of North Carolina
Wildfire Likelihood	About 1 in 2,381 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 139 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Blue Ridge Mountain Electric Membership	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: CND Acquisition. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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