95 Ridgewood Dr, Murphy, NC 28906 Property Records

Cherokee County property record for 95 Ridgewood Dr, Murphy, NC 28906 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	4 Baths
Year Built	Built 2005
Square Footage	3,491 sqft Heated Area
Lot Size	46,174 sqft (1.05 acres)
Occupancy	Owner Occupied
Last Sale	$550,000 (2020)
Tax Bill	$5,925.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`455407783212000`
Alternative APN	`52079`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Building Area	3,491 sqft Heated Area
Basement Area	1,081 sqft Basement
Stories	1 Stories
Primary Flooring	Wood Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Combination Exterior
Foundation Type	Footing Foundation
Roof Construction	Cathedral/Clerestory Roof Construction
Roof Material	Asphalt Roof
Lot Area	46,174 sqft (1.05 acres)
Depth X Width	224 ft x 265 ft Depth x Width
Parking Spaces	4 Parking Spaces
Garage Area	924 sqft Garage

Exterior Amenities

Deck Area	705 sqft Deck
Porch	Open Porch
Porch Area	645 sqft Porch
Topography	Mountain Topography

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	52079
Street Address	95 RIDGEWOOD DR
City	MURPHY
State	NC
Zip	28906-9510
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LTS B 4 & 5 BLK 7 SEC 2 1444/535 BEAR PAW A/33B
Legal Block	7
Legal Lot Number	B
Jurisdiction	CHEROKEE NC
Minor Civil Division	SHOAL CREEK
Census Blockgroup	2
Census Block	2002
Census Tract	930603

Owner

Source: Cherokee County records · APN 455407783212000

Assessment roll updated January 1, 2025 · Last verified October 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	95 RIDGEWOOD DR, MURPHY, NC 28906-9510
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 10, 2020 · Amount on Record
Deed Sale	Jun 10, 2020 · Amount on Record
Deed Doc Number	2862
Deed Book / Page	1646 / 201
Record Refreshed	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 10, 2020
Property Address	95 RIDGEWOOD DR, MURPHY, NC 28906-9510
Document Number	1646/201
Book / Page	1646 / 201
Instrument Date	May 27, 2020
Instrument	2862
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 RIDGEWOOD DR, 95, MURPHY, NC 28906-9510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 RIDGEWOOD DR, MURPHY, NC 28906-9510

Mortgage

Document Number	1646204
Date	Jun 10, 2020
Instrument	1646/204

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
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	$5,925.00	$528,520 (-)	$528,520 (-) Land $36,000 Building $492,520
2023		$528,520	$528,520 Land $36,000 Building $492,520

Flood & Wildfire

95 Ridgewood Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Cherokee County (37039C), updated February 5, 2020

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 43rd percentile of exposed land nationally · 63rd in North Carolina
Wildfire Likelihood	Moderate — about 1 in 1,471 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.