945 Main St, Andrews, NC 28901 Property Records

Cherokee County property record for 945 Main St, Andrews, NC 28901

Property Summary

Property Type	Restaurant
Details	1,460 sqft · built 1929
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jul 2020)
Tax Bill	$1,197 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`555616839005000`

Property Details

APN / Parcel Number

Primary APN	`555616839005000`
Alternative APN	`52245`

Interior

Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,460 sqft Base Area
Gross Area	3,000 sqft
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1985
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Rolled Roofing
Lot Area	1,742 sqft (0.039 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	52245
Street Address	945 MAIN ST
City	ANDREWS
State	NC
Zip	28901-7087
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	CB
Legal Description	LOT 13 BLK C TOWN OF ANDREWS 1407/136 A/4
Legal Block	C
Legal Lot Number	13
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	3
Census Block	3016
Census Tract	930101

Owner

945 Main St, a commercial property, is owned by an individual who bought it in July 2020.

Source: Cherokee County records, as of January 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	580 JUNALUSKA RD, TOPTON, NC 28781-9324
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
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Jul 9, 2020	Warranty Deed, Transfer · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on File
Deed Sale	Jul 9, 2020 · Amount on File
Prior Sale	Feb 28, 2011 · Amount on File
Deed Document Number	3446
Deed Book / Page	1648 / 1004
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	945 MAIN ST, ANDREWS, NC 28901-7087
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 JUNALUSKA RD, TOPTON, NC 28781-9324

Mortgage

Document Number	001718/624
Date	Aug 11, 2022
Book Page	1718/624
Instrument	5246

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	MURPHY, NC 28906

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 11, 2042

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jul 9, 2020
Property Address	945 MAIN ST, ANDREWS, NC 28901-7087
Document Number	01648/1004
Book / Page	1648 / 1004
Instrument Date	Jul 8, 2020
Instrument	3446
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1101 MIRANDA LN, KISSIMMEE, FL 34741-0769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 JUNALUSKA RD, TOPTON, NC 28781-9324

Mortgage

Document Number	0016481006
Date	Jul 9, 2020
Instrument	1648/1006

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 9, 2040

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	01648/1032
Date	Jul 9, 2020
Book Page	1648/1032
Instrument	3449

Lender

Name	FLORIDA DESIGNS 1994 INC
Type	Non-Lending Institution
Address	KISSIMMEE, FL 34741

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jul 9, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 945 Main St was $1,197.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,197.00	$182,340	$182,340 Land $34,500 Building $147,840
2023		$182,340	$182,340 Land $34,500 Building $147,840

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

Flood

FEMA maps place 945 Main St 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	5 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 945 Main St is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% 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 ANDREWS serves 3,284 people · EPA ID NC0120020
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peachtree Broadband Fiber Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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