829 Valley River Ave, Murphy, NC 28906 Property Records

Cherokee County property record for 829 Valley River Ave, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1950
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2024)
Tax Bill	$760 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`459207677519000`

Property Details

APN / Parcel Number

Primary APN	`459207677519000`
Alternative APNs	`52801` `58828` `63114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,592 sqft Heated Area
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	144 ft deep x 101 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	63114
Street Address	829 VALLEY RIVER AVE
City	MURPHY
State	NC
Zip	28906-2836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FR LATULIPE 1723/1229
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2034
Census Tract	930402

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	255 CANDY MOUNTAIN RD, MURPHY, NC 28906-1957
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Sep 18, 2020	Warranty Deed, Transfer · VA Mortgage MID-CONTINENT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2024 · Amount on Record
Deed Sale	Jul 2, 2024 · Amount on Record
Prior Sale	Oct 28, 2022 · Amount on Record
Deed Document Number	3232
Deed Book / Page	1759 / 911
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 28, 2022
Property Address	829 VALLEY RIVER AVE, MURPHY, NC 28906-2836
Document Number	01723/1229
Book / Page	1723 / 1229
Instrument Date	Oct 10, 2022
Instrument	6954
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1479 SW 24TH TER, 1479, DEERFIELD BEACH, FL 33442-6036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 VALLEY RIVER AVE, MURPHY, NC 28906-2836

Mortgage

Document Number	01723/1231
Date	Oct 28, 2022
Book Page	1723/1231
Instrument	6955

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.65%
Type Change Date	Nov 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.65%
Index	5-Year CMT
Max Rate	10.6%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Sep 18, 2020
Property Address	829 VALLEY RIVER AVE, MURPHY, NC 28906-2836
Document Number	1657/90
Book / Page	1657 / 90
Map Reference	MB 904 PG 179
Instrument Date	Sep 17, 2020
Instrument	5237
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	829 VALLEY RIVER AVE, 829, MURPHY, NC 28906-2836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 VALLEY RIVER AVE, MURPHY, NC 28906-2836

Mortgage

Document Number	165793
Date	Sep 18, 2020
Instrument	1657/93

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Municipality	Murphy Town
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$760.00	$110,730 (+1.94%)	$110,730 (+1.94%) Land $18,000 Building $92,730
2023		$108,620	$108,620 Land $18,000 Building $90,620

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearby Flood Policies	1 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	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MURPHY serves 4,498 people · EPA ID NC0120010
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	Under 1 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	5 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Peachtree Broadband Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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