Person County property record for 176 Spinnaker Ln, Semora, NC 27343
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,080 sqft · built 1978 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | May 2018 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A15 51 |
| Primary APN | A15 51 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,080 sqft Heated Area |
| Gross Area | 4,224 sqft |
| Basement Area | 1,026 sqft |
| Finished Basement | 1,026 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 54,450 sqft (1.25 acres) |
| Garage Type | Carport |
| Garage Area | 655 sqft |
| Carport | Carport |
| Carport Area | 655 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 232 sqft |
| Deck Area | 464 sqft |
| Patio Area | 1,124 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 63931 302 |
|---|---|
| Street Address | 176 SPINNAKER LN |
| City | SEMORA |
| State | NC |
| Zip | 27343-7108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | 1.25 ACRE/LAKESIDE MANOR/LT5&6/HOUSE |
| Legal Subdivision | LAKESIDE MANOR |
| Legal Lot Number | 5-6 |
| Jurisdiction | PERSON NC |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 2 |
| Census Block | 2092 |
| Census Tract | 920200 |
176 Spinnaker Ln is owned and occupied by two individuals.
Source: Person County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 176 SPINNAKER LN, SEMORA, NC 27343-7108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ROXBORO SAVINGS BANK SSB |
| Nov 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROXBORO SVGS BK SSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PERSON NC |
| Property Address | 176 SPINNAKER LN, SEMORA, NC 27343-7108 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0009780821 |
|---|---|
| Date | May 2, 2018 |
| Book Page | 978/821 |
| Instrument | 375757 |
| Name | ROXBORO SAVINGS BANK SSB |
|---|---|
| Type | Bank |
| Address | ROXBORO, NC 27573 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PERSON NC |
| Property Address | 176 SPINNAKER LN, SEMORA, NC 27343-7108 |
| Document Number | 0000390378 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 176 SPINNAKER LN SEMORA NC 273437108, SEMORA, NC 27343-7108 |
| Document Number | 0000390378 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 001059/000148 |
| Instrument | 390378 |
| Name | ROXBORO SVGS BK SSB |
|---|---|
| Type | Federal Savings Bank |
| Address | ROXBORO, NC 27573 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 22, 2050 |
Source: Person County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Person County |
| Unified School District | Person County Schools (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $672,723 | $672,723 Land $301,352 Building $371,371 |
| 2023 | $424,816 | $424,816 Land $198,784 Building $226,032 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 176 Spinnaker Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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 risk around 176 Spinnaker Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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