95 Valley St, Andrews, NC 28901 Property Records

Cherokee County property record for 95 Valley St, Andrews, NC 28901

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (May 2019)
Tax Bill	$96 (2025)
Deeds & Mortgages	Jun 2026 Transfer May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`556613131180000`

Property Details

APN / Parcel Number

Primary APN	`556613131180000`
Alternative APN	`45357`

Exterior

Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Location & Zoning

Account Number	45357
Street Address	95 VALLEY ST
City	ANDREWS
State	NC
Zip	28901-9629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	P/O LOT 9 BLK 6 WELLS ADDITION 448/28
Legal Subdivision	WELLS ADDITION
Legal Block	6
Legal Lot Number	9
Jurisdiction	CHEROKEE NC
Township / Civil Division	VALLEYTOWN
Census Block Group	2
Census Block	2001
Census Tract	930101

Owner

Source: Cherokee County records, as of June 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	555 ROBBINSVILLE RD, ANDREWS, NC 28901-8078
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 20, 2019	Warranty Deed, Transfer DANNY GARLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Prior Sale	May 1, 1982
Deed Document Number	20192182
Deed Book / Page	1613 / 902
Last Transfer Date	Jun 3, 2026
Transfer Doc	0000002957
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHEROKEE NC
Recording Date	Jun 16, 2026
Property Address	95 VALLEY ST, ANDREWS, NC 28901-9629
Document Number	0000002957
Book / Page	1803 / 854
Instrument Date	Jun 3, 2026
Instrument	20262957
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	May 20, 2019
Property Address	95 VALLEY ST, ANDREWS, NC 28901-9629
Document Number	01613/0902
Book / Page	01613 / 0902
Instrument Date	May 20, 2019
Instrument	02182
Transaction Type	Transfer
Record Updated	Oct 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5807 HARRIET CT, SUMMERFIELD, NC 27358-9149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 321, ANDREWS, NC 28901-0321
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002183
Date	May 20, 2019
Instrument	02183

Lender

Name	DANNY GARLAND
Type	Private Party

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 20, 2029

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of October 10, 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	$96.00	$15,810 (-)	$15,810 (-) Land $10,000 Building $5,810
2023		$15,810	$15,810 Land $10,000 Building $5,810

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% 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 217 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

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