545 Maltby Rd, Marble, NC 28905 Property Records

Cherokee County property record for 545 Maltby Rd, Marble, NC 28905

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,500 sqft · built 1989
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on Record
Last Sale	$286,000 (Jul 2022)
Tax Bill	$1,048 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551402887969000`

Property Details

APN / Parcel Number

Primary APN	`551402887969000`
Alternative APNs	`51640` `58069`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Heated Area
Gross Area	1,956 sqft
1st Floor Area	1,500 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2009
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	41,382 sqft (0.95 acres)
Lot Dimensions	214 ft deep x 265 ft wide
Porch	Slab
Porch Area	168 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	58069
Street Address	545 MALTBY RD
City	MARBLE
State	NC
Zip	28905-8613
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR GRAVES 1638/1049
Legal Subdivision	BOBBY JOE GRAVES AND ET UX
Legal Phase	1441
Legal Lot Number	2
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1000
Census Tract	930402

Owner

Source: Cherokee County records, as of October 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	545 MALTBY RD, MARBLE, NC 28905-8613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Nov 6, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Mar 17, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2022 · Amount on Record
Deed Sale	Jul 25, 2022 · Amount on Record
Prior Sale	Mar 17, 2020 · Amount on Record
Deed Document Number	20224882
Deed Book / Page	1717 / 227
Prior Transfer Date	Jul 2, 2012
Prior Transfer Doc	1441/0911
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 25, 2022
Property Address	545 MALTBY RD, MARBLE, NC 28905-8613
Document Number	001717/227
Book / Page	1717 / 227
Instrument Date	Jul 22, 2022
Instrument	4882
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$572.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 MALTBY RD, MARBLE, NC 28905-8613

Mortgage

Document Number	0001717230
Date	Jul 25, 2022
Instrument	1717/230

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	545 MALTBY RD, MARBLE, NC 28905-8613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01573/0642
Date	Nov 6, 2017
Book Page	01573/0642
Instrument	05176

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 17, 2020
Property Address	545 MALTBY RD, MARBLE, NC 28905-8613
Document Number	1638/1049
Book / Page	1638 / 1049
Instrument Date	Mar 17, 2020
Instrument	1390
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 HIWASSEE ST, 102, MURPHY, NC 28906-2905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 BRASSTOWN RD, MURPHY, NC 28906-2155

Mortgage

Document Number	16381052
Date	Mar 17, 2020
Instrument	1638/1052

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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	$1,048.00	$145,090 (-)	$145,090 (-) Land $8,890 Building $136,200
2023		$145,090	$145,090 Land $8,890 Building $136,200

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

Flood

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	4 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

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

Wildfire Risk	High above 74% of the US · above 94% of North Carolina
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Cable	500 / 30
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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