Person County property record for 440 Rainy Ridge Rd, Semora, NC 27343 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3.5 Baths |
| Architecture Style | Conventional |
| Year Built | Built 2020 |
| Square Footage | 2,886 sqft Heated Area |
| Lot Size | 32,234 sqft (0.74 acres) |
| Last Sale | $12,500 (1987) |
| Tax Bill | $5,986.00 (2025) |
| Primary APN | A3 42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,886 sqft Heated Area |
| Gross Area | 5,525 sqft Gross Area |
| Basement Area | 1,443 sqft Basement |
| Unfinished Basement | 1,443 sqft Unfinished |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional Style |
| Exterior Material | Other Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 32,234 sqft (0.74 acres) |
| Total Buildings | 2 Total Buildings |
| Deck Area | 114 sqft Deck |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 65659 301 |
|---|---|
| Street Address | 440 RAINY RIDGE RD |
| City | SEMORA |
| State | NC |
| Zip | 27343-9077 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | .74 ACRE/HYCO TRAILS/P1/L4/HOUSE |
| Legal Subdivision | HYCO TRAILS |
| Jurisdiction | PERSON NC |
| Minor Civil Division | CUNNINGHAM |
| Census Blockgroup | 2 |
| Census Block | 2067 |
| Census Tract | 920200 |
Source: Person County records · APN A3 42
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 ENNIS CT, RALEIGH, NC 27613-8194 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 29, 2019 | Deed of Trust, Mortgage · Building or Construction Mortgage FIRST BANK |
| Oct 02, 2020 | Deed of Trust, Mortgage BNC NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 11, 1987 · Amount on Record |
| Deed Sale | Sep 11, 1987 · Amount on Record |
| Deed Book / Page | 194 / 269 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PERSON NC |
| Property Address | 440 RAINY RIDGE RD, SEMORA, NC 27343-9077 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0010210299 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 1021/299 |
| Instrument | 383834 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | TROY, NC 27371 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Nov 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PERSON NC |
| Property Address | 440 RAINY RIDGE RD, SEMORA, NC 27343-9077 |
| Document Number | 0000389496 |
| Instrument Date | Oct 02, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 440 RAINY RIDGE RD SEMORA NC 273439077, SEMORA, NC 27343-9077 |
| Document Number | 0000389496 |
|---|---|
| Date | Oct 07, 2020 |
| Book Page | 001053/000646 |
| Instrument | 389496 |
| Name | BNC NAT'L BK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 06, 2050 |
Source: Person County records · Assessment roll updated September 9, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Person County |
| Unified School District | Person County Schools (PK - 12) |
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 | $846,487 (-) Land $258,461 Building $588,026 | $846,487 (-) Land $258,461 Building $588,026 | |
| 2025 | $5,986.00 (+16.55%) | $846,487 (+37.27%) | $846,487 (+37.27%) Land $258,461 Building $588,026 |
| 2023 | $5,136.00 (-0.14%) | $616,648 | $616,648 Land $225,434 Building $391,214 |
| 2022 | $5,143.00 |
Source: FEMA National Flood Hazard Layer, Person County (37145C), updated June 9, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low 4th percentile nationally · 2nd in North Carolina |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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