916 Valley River Ave, Murphy, NC 28906 Property Records

Cherokee County property record for 916 Valley River Ave, Murphy, NC 28906 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,069 sqft · built 1999
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jun 2026)
Tax Bill	$1,792 (2025)
Deeds & Mortgages	Aug 2005 Mortgage Mar 2005 Line of Credit + 9 more
Flood Zone	Zone X (minimal risk)
APN	`459207771862000`

Property Details

APN / Parcel Number

Primary APN	`459207771862000`
Alternative APNs	`53008` `60127`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,069 sqft Heated Area
Gross Area	4,839 sqft
1st Floor Area	2,069 sqft
Basement Area	1,343 sqft
Finished Basement	1,328 sqft
Unfinished Basement	1,328 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Metal
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	264 sqft
Deck Area	156 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	60127
Street Address	916 VALLEY RIVER AVE
City	MURPHY
State	NC
Zip	28906-2600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 MAUNEY ADDDITION TOWN OF MURPHY 1735/505
Legal Subdivision	MAUNEY ADDDITION
Legal Lot Number	4
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2031
Census Tract	930402

Owner

Source: Cherokee County records · APN 459207771862000

Assessment roll updated October 10, 2025 · Last verified August 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	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 21, 2005	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 27, 2007	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 06, 2006	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Oct 11, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 17, 2010	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 16, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
May 19, 2023	Deed, Transfer
May 19, 2023	Executor's Deed, Transfer
Mar 27, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 13, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	May 19, 2023 · Amount on Record
Deed Document Number	20262974
Deed Book / Page	1803 / 948
Prior Transfer Date	Mar 27, 2023
Prior Transfer Doc	01731/1372
Record Updated	Sep 20, 2026

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01173/0591
Date	Aug 10, 2005
Book Page	1173/0591
Instrument	2005-0048931

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	HENDERSONVILLE, NC 28793

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2035

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01147/0294
Date	Mar 21, 2005
Book Page	1147/0294
Instrument	2005-0044037

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01274/0298
Date	Feb 27, 2007
Book Page	1274/0298
Instrument	2007-0001511

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01232/0803
Date	Jun 06, 2006
Book Page	1232/0803
Instrument	2006-0059945

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01302/0286
Date	Oct 11, 2007
Book Page	1302/0286
Instrument	2007-0007699

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	HENDERSONVILLE, NC 28793

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2037

February 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01379/0090
Date	Feb 17, 2010
Book Page	1379/0090
Instrument	2010-0000680

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2030

Interest

Rate Type	Adjustable Rate

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 16, 2026
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Document Number	0000002974
Book / Page	1803 / 948
Instrument Date	May 28, 2026
Instrument	20262974
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$69,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600

Mortgage

Document Number	0000002975,
Date	Jun 16, 2026
Instrument	20262975

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate	6.3%
Max Rate	-1%

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 19, 2023
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Document Number	001735/505
Book / Page	1735 / 505
Instrument Date	May 18, 2023
Instrument	2435
Transaction Type	Transfer
Record Updated	Jun 06, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 GAY THOMPSON DR, CANTON, GA 30115-4624

May 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 19, 2023
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Document Number	001735/503
Book / Page	1735 / 503
Instrument Date	May 17, 2023
Instrument	2434
Transaction Type	Transfer
Record Updated	Jun 06, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	486 GAY THOMPSON DR, CANTON, GA 30115-4624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 GAY THOMPSON DR, CANTON, GA 30115-4624

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 27, 2023
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Document Number	01731/1372
Book / Page	1731 / 1372
Map Reference	MB 1660 PG 123
Instrument Date	Jan 10, 2023
Instrument	1440
Transaction Type	Transfer
Record Updated	Apr 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 62, BRYSON CITY, NC 28713-0062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 GAY THOMPSON DR, CANTON, GA 30115-4624

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE NC
Recording Date	Oct 13, 2020
Property Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Document Number	1660/123
Book / Page	1660 / 123
Instrument Date	Oct 08, 2020
Instrument	5854
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 VALLEY RIVER AVE, MURPHY, NC 28906-2600

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified August 2026

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

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	$1,792.00	$279,930 (+5.49%)	$279,930 (+5.49%) Land $24,000 Building $255,930
2023		$265,360	$265,360 Land $24,000 Building $241,360

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399304022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 72% of North Carolina
Wildfire Likelihood	About 1 in 1,000 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 157 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Blue Ridge Mountain Electric Membership	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: CND Acquisition. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Valley River Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures