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50 River Watch Ter, Murphy, NC 28906 Property Records

Cherokee County property record for 50 River Watch Ter, Murphy, NC 28906 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 865 sqft · built 1988
Lot Size2.13 acres (92,783 sqft)
Owner2 Individual Names on File
Last Sale$160,000 (Mar 2019)
Tax Bill$1,232 (2025)
Deeds & MortgagesJul 2022 Line of Credit
Mar 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN551103213796000

Property Details

APN / Parcel Number

Primary APN551103213796000
Alternative APN
  • 49396

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area865 sqft Heated Area
Gross Area2,626 sqft
1st Floor Area865 sqft
Basement Area1,120 sqft
Unfinished Basement1,120 sqft
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1992
Architectural StyleRanch
Exterior MaterialWood
Roof TypeCathedral/Clerestory
Roof MaterialAsphalt
Lot Area92,783 sqft (2.13 acres)
Lot Dimensions550 ft deep x 153 ft wide
Garage Area460 sqft
Parking Spaces2 Parking Spaces
PorchPatio
Porch Area21 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number49396
Street Address50 RIVER WATCH TER
CityMURPHY
StateNC
Zip28906-7026
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 8 RIVER RIDGE 1607/964 A/82D
Legal SubdivisionRIVER RIDGE
Legal Lot Number8
JurisdictionCHEROKEE NC
Township / Civil DivisionMURPHY
Census Block Group2
Census Block2013
Census Tract930501

Owner

Source: Cherokee County records · APN 551103213796000

Assessment roll updated October 10, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address50 RIVER WATCH TER, MURPHY, NC 28906-7026
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 06, 2022Deed of Trust, Mortgage · Line of Credit
STATE EMPLOYEES CU
Mar 01, 2019Warranty Deed, Transfer · Conventional Mortgage
HOMESTAR FINANCIAL CORP
Mar 01, 2019Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 01, 2019 · Amount on Record
Deed SaleMar 01, 2019 · Amount on Record
Prior SaleFeb 28, 2014 · Amount on Record
Deed Document Number2019882
Deed Book / Page1607 / 967
Prior Transfer DateMar 12, 2018
Prior Transfer Doc01607/0964
Record UpdatedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE NC
Property Address50 RIVER WATCH TER, MURPHY, NC 28906-7026
Transaction TypeMortgage
Record UpdatedJul 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001716/19
DateJul 06, 2022
Book Page1716/19
Instrument4473
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
AddressWILMINGTON, NC 28406
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE NC
Recording DateMar 01, 2019
Property Address50 RIVER WATCH TER, MURPHY, NC 28906-7026
Document Number01607/0967
Book / Page01607 / 0967
Instrument DateFeb 12, 2019
Instrument00882
Transaction TypeTransfer
Record UpdatedAug 13, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$320.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address50 RIVER WATCH TER, 50, MURPHY, NC 28906-7026

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 DORAL DR, HAMPSTEAD, NC 28443-2630

Mortgage

Document Number00883
DateMar 01, 2019
Instrument00883
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2049

March 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCHEROKEE NC
Recording DateMar 01, 2019
Property Address50 RIVER WATCH TER, MURPHY, NC 28906-7026
Document Number01607/0964
Book / Page01607 / 0964
Map ReferenceCAB A SL 82
Instrument DateMar 12, 2018
Instrument00881
Transaction TypeTransfer
Record UpdatedAug 13, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address950 BACON CIR NE, 950, PALM BAY, FL 32905-6006

Transferred To (Grantee/Buyer)

NameVerified Name
Address50 RIVER WATCH TER, MURPHY, NC 28906-7026

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCherokee County
Unified School DistrictCherokee 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,232.00$159,020 (-)$159,020 (-) Land $45,000 Building $114,020
2023$159,020$159,020 Land $45,000 Building $114,020

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 370399305012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 13 individual NFIP policies nearby
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies13 in force
7 of 13 on primary residences
Nearby Flood Claims6 (2020–2025)
Most Recent ClaimApr 2025, rainfall accumulation
Flood Events
  • Severe Storms, Tornadoes, And Flooding (Feb 2020), 2 claims

Wildfire

Wildfire RiskModerate
above 63% of the US · above 86% of North Carolina
Wildfire LikelihoodAbout 1 in 546 per year
ExposureDirect
burnable vegetation at the parcel

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.

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