249 Terras Gate Dr, Semora, NC 27343 Property Records

Person County property record for 249 Terras Gate Dr, Semora, NC 27343

Property Summary

Property Type	Manufactured or Modular Home
Details	3 ba · 1,425 sqft · built 2002
Lot Size	4.11 acres (179,032 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Apr 2005)
Tax Bill	$2,610 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`A13 172`

Property Details

APN / Parcel Number

Primary APN	`A13 172`
Alternative APN	`45797 301`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,425 sqft Heated Area
Gross Area	3,434 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Modular
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	179,032 sqft (4.11 acres)
Garage Area	1,782 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	546 sqft
Deck Area	57 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	45797 301
Street Address	249 TERRAS GATE DR
City	SEMORA
State	NC
Zip	27343-9210
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	4 & 11/100 ACRES/LT2/MOD
Legal Subdivision	SHACKELFORD & BOAZ
Legal Lot Number	2
Jurisdiction	PERSON NC
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2020
Census Tract	920200

Owner

249 Terras Gate Dr, a residential property, is owned and occupied by two individuals who bought it in April 2005.

Source: Person County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	249 TERRAS GATE DR, SEMORA, NC 27343-9210
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 10, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2005 · Amount on File
Deed Sale	Apr 29, 2005 · Amount on File
Deed Document Number	2005295854
Deed Book / Page	533 / 822
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PERSON NC
Property Address	249 TERRAS GATE DR, SEMORA, NC 27343-9210
Document Number	0009950774
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Dec 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 TERRAS GATE DR SEMORA NC 273439210, SEMORA, NC 27343-9210

Mortgage

Document Number	0009950774
Date	Nov 28, 2018
Book Page	000995/000774

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 27, 2048

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PERSON NC
Property Address	249 TERRAS GATE DR, SEMORA, NC 27343-9210
Document Number	0009960147
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 TERRAS GATE DR SEMORA NC 273439210, SEMORA, NC 27343-9210

Mortgage

Document Number	0009960147
Date	Nov 30, 2018
Book Page	000996/000147

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 249 Terras Gate Dr was $2,610.

Source: Person County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Person County
Unified School District	Person County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$387,261 (-)	$387,261 (-) Land $42,807 Building $344,454
2025	$2,610.00	$387,261	$387,261 Land $42,807 Building $344,454
2023	$1,863.00 (+0.32%)	$240,257	$240,257 Land $28,201 Building $212,056
2022	$1,857.00

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

Flood

FEMA maps place 249 Terras Gate Dr 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

Wildfire risk around 249 Terras Gate Dr is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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