Cherokee County property record for 12 Vista Cir, Murphy, NC 28906
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 672 sqft · built 1988 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Feb 2026) |
| Tax Bill | $493 (2025) |
| Deeds & Mortgages | Feb 2026 Foreclosure Dec 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 550104915850000 |
| Primary APN | 550104915850000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 672 sqft Heated Area |
| Gross Area | 892 sqft |
| 1st Floor Area | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 113 ft deep x 238 ft wide |
| Porch | Slab |
| Porch Area | 196 sqft |
| Deck Area | 24 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 61890 |
|---|---|
| Street Address | 12 VISTA CIR |
| City | MURPHY |
| State | NC |
| Zip | 28906-7006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 SEC 1 BRIARWOOD SUB 1478/466 |
| Legal Subdivision | BRIARWOOD SUB |
| Legal Lot Number | 3 |
| Jurisdiction | CHEROKEE NC |
| Township / Civil Division | MURPHY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 930501 |
Source: Cherokee County assessment roll, as of October 10, 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 |
|---|---|
| Mailing Address | PO BOX 2245, ROBBINSVILLE, NC 28771-2245 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2026 | Public Action, Foreclosure · Conventional Mortgage UNITED COMMUNITY BANK |
| Dec 21, 2023 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 18, 2026 · Amount on Record |
| Deed Sale | Feb 18, 2026 · Amount on Record |
| Prior Sale | May 7, 2025 · Amount on Record |
| Deed Document Number | 2026796 |
| Deed Book / Page | 1795 / 1197 |
| Record Updated | Jun 8, 2026 |
| Document Type | Public Action |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Feb 18, 2026 |
| Property Address | 12 VISTA CIR, MURPHY, NC 28906-7006 |
| Document Number | 01795/1197 |
| Book / Page | 1795 / 1197 |
| Map Reference | CAB B SL 52 |
| Instrument Date | Feb 4, 2026 |
| Instrument | 796 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 6, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 7162 HIGHWAY 294, MURPHY, NC 28906-8597 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 2245, ROBBINSVILLE, NC 28771-2245 |
| Document Number | 0017951200 |
|---|---|
| Date | Feb 18, 2026 |
| Instrument | 1795/1200 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHEROKEE NC |
| Recording Date | Dec 21, 2023 |
| Property Address | 12 VISTA CIR, MURPHY, NC 28906-7006 |
| Document Number | 01748/1204 |
| Book / Page | 1748 / 1204 |
| Instrument Date | Dec 19, 2023 |
| Instrument | 6578 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 VISTA CIR, MURPHY, NC 28906-7006 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 94 SMOKEFORD RD, MURPHY, NC 28906-9001 |
Source: Cherokee County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cherokee County |
| Unified School District | Cherokee County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $493.00 | $62,800 (-) | $62,800 (-) Land $15,000 Building $47,800 |
| 2023 | $62,800 | $62,800 Land $15,000 Building $47,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective February 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 6 (2020–2025) |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 88% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CND Acquisition Cable | 500 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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