390 Vista Loop, Topton, NC 28781 Property Records

Macon County property record for 390 Vista Loop, Topton, NC 28781

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,526 sqft · built 2007
Lot Size	1.06 acres (46,174 sqft)
Owner	Individual Name on Record
Last Sale	$288,000 (Jun 2019)
Tax Bill	$1,512 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6505259408`

Property Details

APN / Parcel Number

Primary APN	`6505259408`
Alternative APNs	`0946215` `150879`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,526 sqft Heated Area
1st Floor Area	1,026 sqft
Upper Floors Area	500 sqft
Basement Area	1,026 sqft
Finished Basement	1,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	46,174 sqft (1.06 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	492 sqft
Deck Area	72 sqft
Patio Area	270 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	150879
Street Address	390 VISTA LOOP
City	TOPTON
State	NC
Zip	28781-6709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 17 THE VISTA AT NANTAHALA LAKE
Legal Subdivision	THE VISTA AT NANTAHALA LAKE
Legal Lot Number	17
Jurisdiction	MACON NC
Township / Civil Division	NANTAHALA
Census Block Group	2
Census Block	2114
Census Tract	970200

Owner

Source: Macon County records, as of October 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	390 VISTA LOOP, TOPTON, NC 28781-6709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 19, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Apr 12, 2019	Warranty Deed, Transfer
Apr 12, 2019	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2019 · Amount on Record
Deed Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	20193831
Deed Book / Page	39 / 1076
Last Transfer Date	Aug 12, 2021
Transfer Doc	0000009863
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Oct 18, 2021
Property Address	390 VISTA LOOP, TOPTON, NC 28781-6709
Document Number	000I41/875
Book / Page	I-41 / 875
Map Reference	CARD 4334
Instrument Date	Aug 12, 2021
Instrument	2021009863
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 VISTA LOOP, TOPTON, NC 28781-6709

Mortgage

Document Number	2021009864
Date	Oct 18, 2021
Instrument	2021009864

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	Other
Max Rate	7.25%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jun 19, 2019
Property Address	390 VISTA LOOP, TOPTON, NC 28781-6709
Document Number	00G39/1076
Book / Page	G-39 / 1076
Map Reference	CARD 4334
Instrument Date	Jun 18, 2019
Instrument	2019003831
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	332 CASALINO DR, NOKOMIS, FL 34275-2135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 VISTA LOOP, TOPTON, NC 28781-6709

Mortgage

Document Number	2019003832
Date	Jun 19, 2019
Instrument	2019003832

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 12, 2019
Property Address	390 VISTA LOOP, TOPTON, NC 28781-6709
Document Number	00D39/0910
Book / Page	D-39 / 0910
Map Reference	CARD 4334
Instrument Date	Mar 29, 2019
Instrument	2019002168
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	332 CASALINO DR, NORTH VENICE, FL 34275-2135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 VALLEY RIVER AVE STE B, B, MURPHY, NC 28906-3000

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 12, 2019
Property Address	390 VISTA LOOP, TOPTON, NC 28781-6709
Document Number	00D39/0915
Book / Page	D-39 / 0915
Map Reference	CARD 4334
Instrument Date	Mar 29, 2018
Instrument	2019002169
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 VALLEY RIVER AVENUE #BB, BB, CULBERSON, NC 28903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 CASALINO DR, NOKOMIS, FL 34275-2135

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,512.00	$437,060 (+0.07%) Land $63,520 Building $373,540	$437,060 (+0.07%) Land $63,520 Building $373,540
2025	$1,512.00 (+0.87%)
2023	$1,499.00	$436,760 Land $63,520 Building $373,240	$436,760 Land $63,520 Building $373,240

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 8, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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.

Wildfire

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

Wildfire Risk	Moderate above 51% of the US · above 73% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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