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Rural ResidenceResidential
$359,666$221 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

121 RUUD RIDGE RD

MURPHY, NC 28906
3
Beds
2
Baths
1,624 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.13 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$360K
$303K low$416K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$118,866
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$95,093
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.67%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$240,800
ARDENT FCU · recorded Dec 1, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,239 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$164,880 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$164,880
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$164,880

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
98
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyCherokee
Lot (acres)The size of the land the home sits on, from county records.1.13
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 592 ft²Porch · 352 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Ranger Elementary & Middle SchoolC+
Elementary · Grades PK–8 · 4.3 mi
H
Hiwassee Dam High SchoolB
High · Grades 9–12 · 6.5 mi

District: Cherokee County Schools

Neighborhood · ZIP 28906These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.125

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.20,751
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.60 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,416
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,607
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.61 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

121 Ruud Ridge Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 75% of homes in Cherokee County
  • Bigger than 73% of homes in Murphy 28906
  • Newer than 80% of homes in Cherokee County

What homes are worth in Murphy 28906

Each bar is how many homes fall in that price range. The marker is this home.

This home
$43K$692K

This home is worth more than 72% of homes in Murphy 28906.

How it measures up in Murphy 28906

The dot is this home. The mark in the middle is the typical home in Murphy 28906.

Estimated value$359,666
CheaperTypical $277,122Pricier

Pricier than 72% of homes nearby

Price per ft²$221
CheaperTypical $226Pricier

Pricier than 48% of homes nearby

Living area1,624 ft²
SmallerTypical 1,319 ft²Bigger

Bigger than 73% of homes nearby

Lot size1.13 ac
SmallerTypical 1.34 acBigger

Bigger than 42% of homes nearby

Year built2006
OlderTypical 1996Newer

Newer than 78% of homes nearby

How 121 Ruud Ridge Rd ranks against every home in each area.
MeasureThis homeMurphy 28906Cherokee County
Estimated valuepricier than$359,66672% of homes75% of homes
Price per ft²pricier than$22148% of homes54% of homes
Living areabigger than1,624 ft²73% of homes72% of homes
Lot sizebigger than1.13 ac42% of homes43% of homes
Year builtnewer than200678% of homes80% of homes

About 121 Ruud Ridge Rd

How much is 121 Ruud Ridge Rd, Murphy, NC worth?

The TopHap Estimate for 121 Ruud Ridge Rd, Murphy, NC is $359,666 as of Jul 14, 2026. The likely range is $303,006 to $416,326. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 121 Ruud Ridge Rd, Murphy, NC last sell?

121 Ruud Ridge Rd, Murphy, NC last sold on Mar 1, 2022, according to the county's recorded deed.

How big is 121 Ruud Ridge Rd, Murphy, NC?

121 Ruud Ridge Rd, Murphy, NC has 3 bedrooms, 2 bathrooms, 1,624 square feet of living space and a 1.13-acre lot.

When was 121 Ruud Ridge Rd, Murphy, NC built?

121 Ruud Ridge Rd, Murphy, NC was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 121 Ruud Ridge Rd, Murphy, NC?

121 Ruud Ridge Rd, Murphy, NC is assigned to Ranger Elementary & Middle School (elementary), rated C+; Hiwassee Dam High School (high), rated B. All sit in Cherokee County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 121 Ruud Ridge Rd, Murphy, NC compare to other homes in Murphy 28906?

Among the 14,392 homes in Murphy 28906, it is worth more than 72% of them ($359,666 against a typical $277,122), its price per square foot is higher than 48% of them ($221 against a typical $226), it is bigger than 73% of them (1,624 ft² against a typical 1,319 ft²), its lot is bigger than 42% of them (1.13 ac against a typical 1.34 ac) and it is newer than 78% of them (2006 against a typical 1996). Measured against all of Cherokee County, it is worth more than 75% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 121 Ruud Ridge Rd, Murphy, NC?

The 2025 property tax bill for 121 Ruud Ridge Rd, Murphy, NC was $1,239. The county assessed it at $164,880.

Closest homes

More homes in Murphy 28906

Assigned schools

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