45 Vista Cir, Murphy, NC 28906 Property Records

Cherokee County property record for 45 Vista Cir, Murphy, NC 28906 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 1990
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Last Sale	$167,000 (Oct 2021)
Tax Bill	$703 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550104916529000`

Property Details

APN / Parcel Number

Primary APN	`550104916529000`
Alternative APN	`55929`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	864 sqft Heated Area
Gross Area	1,060 sqft
1st Floor Area	864 sqft
Flooring	Combination, Other
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	222 ft deep x 201 ft wide
Porch	Patio
Porch Area	168 sqft
Deck Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	55929
Street Address	45 VISTA CIR
City	MURPHY
State	NC
Zip	28906-7006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 SEC 1 BRIARWOOD SUB 1675/1020
Legal Subdivision	BRIARWOOD SUB
Legal Lot Number	5
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	2
Census Block	2015
Census Tract	930501

Owner

Source: Cherokee County records · APN 550104916529000

Assessment roll updated October 10, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	45 VISTA CIR, MURPHY, NC 28906-7006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Mar 22, 2021	Warranty Deed, Transfer · Commercial Mortgage MCU FINANCIAL CENTER CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Mar 22, 2021 · Amount on Record
Deed Document Number	20217140
Deed Book / Page	1694 / 593
Prior Transfer Date	Jun 01, 2006
Prior Transfer Doc	1232/0286
Record Updated	Jun 08, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Oct 22, 2021
Property Address	45 VISTA CIR, MURPHY, NC 28906-7006
Document Number	1694/593
Book / Page	1694 / 593
Instrument Date	Oct 18, 2021
Instrument	7140
Transaction Type	Transfer
Record Updated	Nov 05, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$334.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 EAST BLVD MOREHEAD ST301, 801, CHARLOTTE, NC 28203-5115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 VISTA CIR, MURPHY, NC 28906-7006

Mortgage

Document Number	1694596
Date	Oct 22, 2021
Instrument	1694/596

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Nov 01, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	9.15%
Index	5-Year CMT
Max Rate	9.15%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Mar 22, 2021
Property Address	45 VISTA CIR, MURPHY, NC 28906-7006
Document Number	1675/1020
Book / Page	1675 / 1020
Instrument Date	Mar 15, 2021
Instrument	1844
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 E MOREHEAD ST STE 301, 301, CHARLOTTE, NC 28202-2737

Mortgage

Document Number	16751025
Date	Mar 22, 2021
Instrument	1675/1025

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Dec 15, 2021

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated October 10, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$703.00	$95,000 (-)	$95,000 (-) Land $15,000 Building $80,000
2023		$95,000	$95,000 Land $15,000 Building $80,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399305012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
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 Storm	Severe Storms, Tornadoes, And Flooding, Feb 2020 · 2 claims

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 86% of North Carolina
Wildfire Likelihood	About 1 in 442 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 50 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
CND Acquisition	Cable	500 / 30
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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