698 Summit Ridge Trl, Marble, NC 28905 Property Records

Cherokee County property record for 698 Summit Ridge Trl, Marble, NC 28905

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,920 sqft · built 2008
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Sep 2020)
Tax Bill	$7,779 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`552400695673000`

Property Details

APN / Parcel Number

Primary APN	`552400695673000`
Alternative APN	`52706`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,920 sqft Heated Area
Gross Area	13,969 sqft
1st Floor Area	2,614 sqft
Upper Floors Area	1,306 sqft
Basement Area	1,938 sqft
Finished Basement	1,938 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	513 ft deep x 30 ft wide
Terrain	Mountain
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	768 sqft
Deck Area	183 sqft
Patio Area	3,316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	52706
Street Address	698 SUMMIT RIDGE TRL
City	MARBLE
State	NC
Zip	28905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SUMMIT RIDGE 1454/751
Legal Subdivision	SUMMIT RIDGE SUBDIVISION
Legal Lot Number	1
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	2
Census Block	2003
Census Tract	930401

Owner

698 Summit Ridge Trl is owned by two individuals who bought it in September 2020.

Source: Cherokee County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	172 LAWN AVE, SAINT AUGUSTINE, FL 32084-2255
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Jul 10, 2007 · Amount on File
Deed Document Number	20204897
Deed Book / Page	1655 / 842
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	698 SUMMIT RIDGE TRL, MARBLE, NC 28905
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01576/0011
Date	Dec 11, 2017
Book Page	01576/0011
Instrument	05714

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 10, 2020
Property Address	698 SUMMIT RIDGE TRL, MARBLE, NC 28905
Document Number	001655/842
Book / Page	1655 / 842
Instrument Date	Sep 9, 2020
Instrument	4897
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 9TH ST E, TIERRA VERDE, FL 33715-2203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 SUMMIT RIDGE TRL, MARBLE, NC 28905
Investor	Possibly a Property Investor

Mortgage

Document Number	0001655848
Date	Sep 10, 2020
Instrument	1655/848

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Mortgage

Document Number	001655/871
Date	Sep 10, 2020
Book Page	1655/871
Instrument	4901

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	ATLANTA, GA 30361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 698 Summit Ridge Trl was $7,779.

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	$7,779.00	$1,158,820	$1,158,820 Land $45,000 Building $1,113,820
2023		$1,158,820	$1,158,820 Land $45,000 Building $1,113,820

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

Flood

FEMA maps place 698 Summit Ridge Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2025.

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 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2025)
Most Recent Claim	Apr 2025 · other causes

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 698 Summit Ridge Trl is moderate, ranking above 61% 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 61% of the US · above 84% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 (outdoors only) and 4G LTE

Nearby Properties on Summit Ridge Trl

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