3686 Cunningham Rd, Semora, NC 27343 Property Records

Person County property record for 3686 Cunningham Rd, Semora, NC 27343

Property Summary

Property Type	Manufactured or Modular Home
Details	2 ba · 1,792 sqft · built 2000
Lot Size	7.73 acres (336,719 sqft)
Owner	Individual Name on File
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A13 145`

Property Details

APN / Parcel Number

Primary APN	`A13 145`
Alternative APN	`9069 301`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Heated Area
Gross Area	2,928 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	336,719 sqft (7.73 acres)
Garage Type	Mixed
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	1,136 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9069 301
Street Address	3686 CUNNINGHAM RD
City	SEMORA
State	NC
Zip	27343-9018
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	7&73/100AC/PARCEL1/MOD
Legal Subdivision	SOUTHERN SHORES
Jurisdiction	PERSON NC
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2020
Census Tract	920200

Owner

Source: Person County records · APN A13 145

Assessment roll updated September 9, 2025 · Last verified August 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 File
Mailing Address	3686 CUNNINGHAM RD, SEMORA, NC 27343-9018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 24, 2017	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 05, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Sep 01, 2017	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PERSON NC
Property Address	3686 CUNNINGHAM RD, SEMORA, NC 27343-9018
Transaction Type	Mortgage
Record Updated	Nov 08, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010980610
Date	Oct 25, 2021
Book Page	1098/610
Instrument	396980

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PERSON NC
Property Address	3686 CUNNINGHAM RD, SEMORA, NC 27343-9018
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009460153
Date	Feb 24, 2017
Book Page	946/153

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PERSON NC
Property Address	3686 CUNNINGHAM RD, SEMORA, NC 27343-9018
Document Number	0000390513
Instrument Date	Nov 05, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3686 CUNNINGHAM RD SEMORA NC 273439018, SEMORA, NC 27343-9018

Mortgage

Document Number	0000390513
Date	Dec 02, 2020
Book Page	000312/000771
Instrument	390513

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626-9262

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PERSON NC
Property Address	3686 CUNNINGHAM RD, SEMORA, NC 27343-9018
Document Number	0009610639
Book / Page	000961 / 000639
Instrument Date	Sep 01, 2017
Transaction Type	Mortgage
Record Updated	Sep 14, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3686 CUNNINGHAM RD SEMORA NC 273439018, SEMORA, NC 27343-9018

Mortgage

Document Number	0009610639
Date	Sep 08, 2017
Book Page	000961/000639

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 07, 2047

Tax Assessment & Valuation

Source: Person County records · Assessment roll updated September 9, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Person County
Unified School District	Person 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
2026		$374,026 (-) Land $86,167 Building $287,859	$374,026 (-) Land $86,167 Building $287,859
2025	$2,212.00 (+60.41%) Disabled Person's exemption Veteran's exemption	$374,026 (+68.04%)	$374,026 (+68.04%) Land $86,167 Building $287,859
2023	$1,379.00 (+0.29%) Disabled Person's exemption Veteran's exemption	$222,577	$222,577 Land $39,581 Building $182,996
2022	$1,375.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Person County (37145C), as of June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371459202002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Based on FCC filings for 13 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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