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970 Valley River Ave, Murphy, NC 28906 Property Records

Cherokee County property record for 970 Valley River Ave, Murphy, NC 28906 · Last verified October 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 2000
Square Footage2,832 sqft Heated Area
Lot Size15,246 sqft (0.35 acres)
OccupancyOwner Occupied
Last Sale$305,000 (2021)
Tax Bill$1,761.00 (2025)

Property Details

APN / Parcel Number

Primary APN459207773965000
Alternative APN
  • 55472

Interior

Bedrooms5 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area2,832 sqft Heated Area
Upper Floors1,050 sqft Upper Floors
Stories2 Stories
Primary FlooringWood Flooring
Interior StructurePlaster Interior Structure
FireplaceFireplace

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 2000
Exterior MaterialAluminum/Vinyl Exterior
Foundation TypeFooting Foundation
Roof ConstructionHip Roof Construction
Roof MaterialAsphalt Roof
Lot Area15,246 sqft (0.35 acres)
Depth X Width126 ft x 125 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeCarport Garage
CarportCarport
Carport Area480 sqft Carport
Patio Area100 sqft Patio
PorchOpen Porch
Porch Area420 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number55472
Street Address970 VALLEY RIVER AVE
CityMURPHY
StateNC
Zip28906-2600
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionFR BRUCE 933/85 940/2
Legal Phase542
JurisdictionCHEROKEE NC
Minor Civil DivisionMURPHY
Census Blockgroup2
Census Block2031
Census Tract930402

Owner

Source: Cherokee County records · APN 459207773965000

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address970 VALLEY RIVER AVE, MURPHY, NC 28906-2600
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2025Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FREEDOM MORTGAGE CORP
Aug 26, 2021Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
PRIORITY FINANCIAL NETWORK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 26, 2021 · Amount on Record
Deed SaleAug 26, 2021 · Amount on Record
Deed Doc Number5709
Deed Book / Page1689 / 554
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHEROKEE NC
Property Address970 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Transaction TypeMortgage
Record UpdatedOct 22, 2025
Title CompanyMORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

NameVerified Name
Address970 VALLEY RIVER AVE, MURPHY, NC 28906-2600

Mortgage

Document Number01787/1148
DateOct 10, 2025
Book Page1787/1148
Instrument4975
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Address951 W YAMATO RD, BOCA RATON, FL 33431
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term311 Months
DueSep 01, 2051

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHEROKEE NC
Recording DateAug 26, 2021
Property Address970 VALLEY RIVER AVE, MURPHY, NC 28906-2600
Document Number1689/554
Book / Page1689 / 554
Instrument DateAug 26, 2021
Instrument5709
Transaction TypeTransfer
Record UpdatedSep 15, 2021
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$610.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 398, MURPHY, NC 28906-0398

Transferred To (Grantee/Buyer)

NameVerified Name
Address970 VALLEY RIVER AVE, MURPHY, NC 28906-2600

Mortgage

Document Number1689556
DateAug 26, 2021
Instrument1689/556
Lender
NamePRIORITY FINANCIAL NETWORK
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCherokee County
MunicipalityMurphy Town
Unified School DistrictCherokee 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,761.00$274,890 (-)$274,890 (-) Land $24,000 Building $250,890
2023$274,890$274,890 Land $24,000 Building $250,890

Flood & Wildfire

970 Valley River Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).

Flood

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

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

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

Wildfire Risk to HomesModerate
50th percentile of exposed land nationally · 72nd in North Carolina
Wildfire LikelihoodModerate — about 1 in 1,000 per year
ExposureIndirect
within ember reach of burnable land · adjoins burnable vegetation

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

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