640 River Mountain Rd, Murphy, NC 28906 Property Records

Cherokee County property record for 640 River Mountain Rd, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,188 sqft · built 2021
Lot Size	2.45 acres (106,722 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Dec 2020)
Tax Bill	$2,131 (2025)
Deeds & Mortgages	Apr 2021 Construction Loan Dec 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550200402723000`

Property Details

APN / Parcel Number

Primary APN	`550200402723000`
Alternative APN	`6361`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,188 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	106,722 sqft (2.45 acres)
Lot Dimensions	502 ft deep x 275 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	6361
Street Address	640 RIVER MOUNTAIN RD
City	MURPHY
State	NC
Zip	28906-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 114 RIVERWALK ON THE HIWASSEE 1652/603
Legal Lot Number	114
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2000
Census Tract	930501

Owner

640 River Mountain Rd is owned and occupied by an individual who bought it in December 2020.

Source: Cherokee County records, as of October 9, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	640 RIVER MOUNTAIN RD, MURPHY, NC 28906-3309
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Dec 23, 2020	Warranty Deed, Transfer
Aug 12, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Prior Sale	Aug 12, 2020 · Amount on File
Deed Document Number	8145
Deed Book / Page	1668 / 521
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	640 RIVER MOUNTAIN RD, MURPHY, NC 28906-3309
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 DAN KNOB OVERLOOK, HAYESVILLE, NC 28904-9176

Mortgage

Document Number	001677/897
Date	Apr 12, 2021
Book Page	1677/897
Instrument	2389

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Dec 23, 2020
Property Address	640 RIVER MOUNTAIN RD, MURPHY, NC 28906-3309
Document Number	001668/521
Book / Page	1668 / 521
Map Reference	CAB H SL 283
Instrument Date	Dec 19, 2020
Instrument	8145
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$80.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 661, MURPHY, NC 28906-0661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 DAN KNOB OVERLOOK, HAYESVILLE, NC 28904-9176

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Aug 12, 2020
Property Address	640 RIVER MOUNTAIN RD, MURPHY, NC 28906-3309
Document Number	001652/603
Book / Page	1652 / 603
Map Reference	CAB H SL 283
Instrument Date	Aug 10, 2020
Instrument	4196
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$54.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1733 NEELY AVE, 1733, EAST POINT, GA 30344-3110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 661, MURPHY, NC 28906-0661

Tax Assessment & Valuation

The 2025 property tax bill for 640 River Mountain Rd was $2,131.

Source: Cherokee County assessment roll, as of January 1, 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	$2,131.00	$288,580	$288,580 Land $40,000 Building $248,580
2023		$288,580	$288,580 Land $40,000 Building $248,580

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

Flood

FEMA maps place 640 River Mountain Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2020.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2020–2025)
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

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

Wildfire risk around 640 River Mountain Rd is moderate, ranking above 60% 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 60% of the US · above 82% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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