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Residential (General/Single)Residential
$107,613
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 70How 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
Last sold for $45,000 on Sep 8, 2017

440 RIDGETOP RD

MURPHY, NC 28906
0
Baths
4.93 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$108K
$75K low$140K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$45,000 · Sep 8, 2017
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.$107,613
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$86,090

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$446 (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.$50,750 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$50,750
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$50,750

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.56
43
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.
83
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.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyCherokee
Lot (acres)The size of the land the home sits on, from county records.4.93
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 168 ft²Porch · 180 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

H
Hiwassee Dam High SchoolB
High · Grades 9–12 · 4.6 mi
E
Hiwassee Dam Elementary & Middle SchoolA-
Elementary · Grades PK–8 · 4.6 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

Company ownedWhether the owner is a company or trust rather than a person.No

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

440 Ridgetop 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 less than 88% of homes in Murphy 28906
  • Has a bigger lot than 81% of homes in Murphy 28906

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 12% 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$107,613
CheaperTypical $277,122Pricier

Pricier than 12% of homes nearby

Lot size4.93 ac
SmallerTypical 1.34 acBigger

Bigger than 81% of homes nearby

How 440 Ridgetop Rd ranks against every home in each area.
MeasureThis homeMurphy 28906Cherokee County
Estimated valuepricier than$107,61312% of homes14% of homes
Lot sizebigger than4.93 ac81% of homes81% of homes

About 440 Ridgetop Rd

How much is 440 Ridgetop Rd, Murphy, NC worth?

The TopHap Estimate for 440 Ridgetop Rd, Murphy, NC is $107,613 as of Jul 14, 2026. The likely range is $75,195 to $140,031. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 440 Ridgetop Rd, Murphy, NC last sell?

440 Ridgetop Rd, Murphy, NC last sold on Sep 8, 2017 for $45,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

What schools serve 440 Ridgetop Rd, Murphy, NC?

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

How does 440 Ridgetop Rd, Murphy, NC compare to other homes in Murphy 28906?

Among the 14,392 homes in Murphy 28906, it is worth more than 12% of them ($107,613 against a typical $277,122) and its lot is bigger than 81% of them (4.93 ac against a typical 1.34 ac). Measured against all of Cherokee County, it is worth more than 14% 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 440 Ridgetop Rd, Murphy, NC?

The 2025 property tax bill for 440 Ridgetop Rd, Murphy, NC was $446. The county assessed it at $50,750.

Closest homes

More homes in Murphy 28906

Assigned schools

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