18 Cunningham Rd, Bryson City, NC 28713 Property Records

Swain County property record for 18 Cunningham Rd, Bryson City, NC 28713

Property Summary

Property Type	Rural Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$1,056 (2026)
Deeds & Mortgages	Sep 2018 Construction Loan Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`665204946477`

Property Details

APN / Parcel Number

Primary APN	`665204946477`
Alternative APN	`538602`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	538602
Street Address	18 CUNNINGHAM RD
City	BRYSON CITY
State	NC
Zip	28713
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	30-NR-1560-HWY 19&74 S LAUADA
Legal Subdivision	HWY 19
Jurisdiction	SWAIN NC
Township / Civil Division	NANTAHALA
Census Block Group	1
Census Block	1027
Census Tract	960301

Owner

Source: Swain County records, as of July 30, 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	PO BOX 2416, BRYSON CITY, NC 28713-2416
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2018	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY
Apr 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	18 CUNNINGHAM RD, BRYSON CITY, NC 28713
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00461/0847
Date	Sep 27, 2018
Book Page	00461/0847
Instrument	01606

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Sep 27, 2049

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	18 CUNNINGHAM RD, BRYSON CITY, NC 28713
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00467/0476
Date	Apr 24, 2019
Book Page	00467/0476
Instrument	00702

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	18 CUNNINGHAM RD, BRYSON CITY, NC 28713
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00486/1035
Date	Jan 22, 2021
Book Page	486/1035
Instrument	165

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Swain County assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,056.00 (+12.22%)	$229,570 (-) Land $37,050 Building $192,520
2025			$229,570 (-) Land $37,050 Building $192,520
2023	$941.00 Additional exemption filed	$229,570 Land $37,050 Building $192,520	$229,570 Land $37,050 Building $192,520

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 12, 2023 · 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
Nearby Flood Policies	2 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 62% of the US · above 85% of North Carolina
Wildfire Likelihood	0.2% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, BalsamWest FiberNET, Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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