88 Privacy Ridge Ln, Murphy, NC 28906 Property Records

Cherokee County property record for 88 Privacy Ridge Ln, Murphy, NC 28906

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,812 sqft · built 1986
Lot Size	2.67 acres (116,305 sqft)
Owner	Individual Name on File
Last Sale	$198,000 (Oct 2024)
Tax Bill	$779 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`452000617841000`

Property Details

APN / Parcel Number

Primary APN	`452000617841000`
Alternative APNs	`54224` `63829`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,812 sqft Heated Area
Upper Floors Area	804 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	116,305 sqft (2.67 acres)
Lot Width	838 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	312 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	63829
Street Address	88 PRIVACY RIDGE LN
City	MURPHY
State	NC
Zip	28906-4817
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FR ASHE 1676/1099 A/136B
Jurisdiction	CHEROKEE NC
Township / Civil Division	HOTHOUSE
Census Block Group	1
Census Block	1012
Census Tract	930605

Owner

88 Privacy Ridge Ln, a rural home, is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	88 PRIVACY RIDGE LN, MURPHY, NC 28906-4817
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
Nov 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Mar 31, 2021	Warranty Deed, Transfer · Commercial Mortgage DANNY GARLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2024 · Amount on File
Deed Sale	Oct 8, 2024 · Amount on File
Prior Sale	Mar 31, 2021 · Amount on File
Deed Document Number	5089
Deed Book / Page	1765 / 1359
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	88 PRIVACY RIDGE LN, MURPHY, NC 28906-4817
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001725/734
Date	Nov 28, 2022
Book Page	1725/734
Instrument	7432

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 31, 2021
Property Address	88 PRIVACY RIDGE LN, MURPHY, NC 28906-4817
Document Number	01676/1099
Book / Page	1676 / 1099
Map Reference	CAB H SL 385
Instrument Date	Mar 30, 2021
Instrument	2141
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3, COPPERHILL, TN 37317-0003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 PRIVACY RIDGE LN, MURPHY, NC 28906-4817

Mortgage

Document Number	0016761102
Date	Mar 31, 2021
Instrument	1676/1102

Lender

Name	DANNY GARLAND
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	25 Months
Due	Apr 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 88 Privacy Ridge Ln was $779.

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	$779.00	$99,260	$99,260 Land $20,290 Building $78,970
2023		$99,260	$99,260 Land $20,290 Building $78,970

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

Flood

FEMA maps place 88 Privacy Ridge Ln in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 88 Privacy Ridge Ln is moderate, ranking above 65% 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 65% of the US · above 88% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Blue Ridge Mountain EMC.

Cell Coverage

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

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