Cherokee County property record for 48 Middle Rdg, Murphy, NC 28906 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2024 |
| Square Footage | 3,191 sqft Heated Area |
| Lot Size | 45,302 sqft (1.04 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $26,000 (2021) |
| Tax Bill | $3,827.00 (2025) |
| Primary APN | 444900725817000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,191 sqft Heated Area |
| Upper Floors | 672 sqft Upper Floors |
| Basement Area | 2,079 sqft Basement |
| Stories | 2 Stories |
| Primary Flooring | Combination, Other Flooring |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Wood Shingle Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 45,302 sqft (1.04 acres) |
| Depth X Width | 214 ft x 281 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 672 sqft Garage |
| Deck Area | 912 sqft Deck |
| Porch | Open Porch |
| Porch Area | 880 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 54173 |
|---|---|
| Street Address | 48 MIDDLE RDG |
| City | MURPHY |
| State | NC |
| Zip | 28906-4161 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 54 THE RIDGES AT MILL CREEK P/O 1546/955 |
| Legal Lot Number | 54 |
| Jurisdiction | CHEROKEE NC |
| Minor Civil Division | NOTLA |
| Census Blockgroup | 2 |
| Census Block | 2045 |
| Census Tract | 930605 |
Source: Cherokee County records · APN 444900725817000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 MIDDLE RDG, MURPHY, NC 28906-4161 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Sep 26, 2022 | Deed of Trust, Mortgage · Building or Construction Mortgage UNITED COMMUNITY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 01, 2021 · Amount on Record |
| Deed Sale | Mar 01, 2021 · Amount on Record |
| Deed Doc Number | 0001151407 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Jun 19, 2026 |
| Property Address | 48 MIDDLE RDG, MURPHY, NC 28906-4161 |
| Document Number | 0000003034 |
| Book / Page | 1803 / 1285 |
| Instrument Date | Jun 03, 2026 |
| Instrument | 20263034 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 48 MIDDLE RDG, MURPHY, NC 28906-4161 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003034, |
|---|---|
| Date | Jun 19, 2026 |
| Book Page | 1803/1285 |
| Instrument | 20263034 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 09, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.72% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | MIDDLE RDG, MURPHY, NC 28906 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 8026 LABORIDE LN, WEST PALM BEACH, FL 33414-3442 |
| Investor | Possibly a Property Investor |
| Document Number | 001721/677 |
|---|---|
| Date | Sep 26, 2022 |
| Book Page | 1721/677 |
| Instrument | 6218 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLUE RIDGE, GA 30513 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 24, 2023 |
Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
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 | $3,827.00 | $534,700 (+2,276.44%) | $534,700 (+2,276.44%) Land $22,500 Building $512,200 |
| 2023 | $22,500 | $22,500 Land $22,500 |
48 Middle Rdg is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Cherokee County (37039C), updated February 5, 2020
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 60th percentile of exposed land nationally · 83rd in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 526 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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