Cherokee County property record for 904 Valley River Ave, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,935 sqft · built 1943 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $312,000 (Jan 2023) |
| Tax Bill | $1,051 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Nov 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 459207770799000 |
| Primary APN | 459207770799000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,935 sqft Heated Area |
| Gross Area | 3,083 sqft |
| 1st Floor Area | 1,935 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 574 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 59272 |
|---|---|
| Street Address | 904 VALLEY RIVER AVE |
| City | MURPHY |
| State | NC |
| Zip | 28906-2600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FR DICKEY 1616/1068 |
| Legal Subdivision | SALLIE DAVIDSON WIFE/NEAL DAVI |
| Legal Phase | 925 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 930402 |
Source: Cherokee County records · APN 459207770799000
Assessment roll updated October 10, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 904 VALLEY RIVER AVE, MURPHY, NC 28906-2600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 06, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 02, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Jul 01, 2019 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 06, 2023 · Amount on Record |
| Deed Sale | Jan 06, 2023 · Amount on Record |
| Deed Document Number | 202378 |
| Deed Book / Page | 1727 / 841 |
| Prior Transfer Date | Oct 05, 2009 |
| Prior Transfer Doc | 1369/0954 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Jan 06, 2023 |
| Property Address | 904 VALLEY RIVER AVE, MURPHY, NC 28906-2600 |
| Document Number | 001727/841 |
| Book / Page | 1727 / 841 |
| Instrument Date | Jan 06, 2023 |
| Instrument | 78 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $624.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 364 B AND W RANCH RD, BLAIRSVILLE, GA 30512-4249 |
| Name | Verified Name |
|---|---|
| Address | 904 VALLEY RIVER AVE, MURPHY, NC 28906-2600 |
| Document Number | 0001727843 |
|---|---|
| Date | Jan 06, 2023 |
| Instrument | 1727/843 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Property Address | 904 VALLEY RIVER AVE, MURPHY, NC 28906-2600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 01573/0326 |
|---|---|
| Date | Nov 02, 2017 |
| Book Page | 01573/0326 |
| Instrument | 05116 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 28592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Jul 01, 2019 |
| Property Address | 904 VALLEY RIVER AVE, MURPHY, NC 28906-2600 |
| Document Number | 01616/1068 |
| Book / Page | 01616 / 1068 |
| Instrument Date | Jan 04, 2019 |
| Instrument | 02890 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 904 VALLEY RIVER AVE, MURPHY, NC 28906-2600 |
Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Municipality | Murphy Town |
| Unified School District | Cherokee County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,051.00 | $158,460 (-7.2%) | $158,460 (-7.2%) Land $24,000 Building $134,460 |
| 2023 | $170,750 | $170,750 Land $24,000 Building $146,750 |
Source: FEMA National Flood Hazard Layer as of February 5, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blue Ridge Mountain Electric Membership Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CND Acquisition.
Based on FCC filings for 157 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF MURPHY serves 4,498 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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