85 Wallace Ridge Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 85 Wallace Ridge Trl, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,400 sqft · built 2005
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$181,000 (Oct 2016)
Tax Bill	$1,404 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`455100121578000`

Property Details

APN / Parcel Number

Primary APN	`455100121578000`
Alternative APN	`44623`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Heated Area
Gross Area	2,552 sqft
1st Floor Area	1,400 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Shingle
Roof Type	Gable
Roof Material	Metal
Lot Area	117,176 sqft (2.69 acres)
Lot Dimensions	281 ft deep x 271 ft wide
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	44623
Street Address	85 WALLACE RIDGE TRL
City	MURPHY
State	NC
Zip	28906-6941
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR GREENBERG 1146/574
Jurisdiction	CHEROKEE NC
Township / Civil Division	SHOAL CREEK
Census Block Group	2
Census Block	2043
Census Tract	930606

Owner

Source: Cherokee County records, as of May 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	85 WALLACE RIDGE TRL, MURPHY, NC 28906-6941
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 20, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2016 · Amount on Record
Deed Sale	Oct 28, 2016 · Amount on Record
Deed Document Number	20164728
Deed Book / Page	1547 / 436
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Recording Date	Apr 23, 2026
Property Address	85 WALLACE RIDGE TRL, MURPHY, NC 28906-6941
Document Number	0000001929
Book / Page	1799 / 1334
Instrument Date	Apr 14, 2026
Instrument	20261929
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 WALLACE RIDGE TRL, MURPHY, NC 28906-6941

Mortgage

Document Number	0000001929,
Date	Apr 23, 2026
Book Page	1799/1334
Instrument	20261929

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	85 WALLACE RIDGE TRL, MURPHY, NC 28906-6941
Transaction Type	Mortgage
Record Updated	Jan 3, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 WALLACE RIDGE TRL, MURPHY, NC 28906-6941

Mortgage

Document Number	01699/1171
Date	Dec 20, 2021
Book Page	1699/1171
Instrument	8575

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,404.00	$200,870 (-)	$200,870 (-) Land $22,060 Building $178,810
2023		$200,870	$200,870 Land $22,060 Building $178,810

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	Moderate above 67% of the US · above 90% of North Carolina
Wildfire Likelihood	0.3% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Peachtree Broadband Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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