8520 Cunningham Rd, Zebulon, NC 27597 Property Records

Wake County property record for 8520 Cunningham Rd, Zebulon, NC 27597

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,330 sqft · built 1905
Lot Size	11.2 acres (489,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (May 2017)
Tax Bill	$4,894 (2023)
Deeds & Mortgages	Mar 2024 Line of Credit May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1796.03-44-8813 0047759`

Property Details

APN / Parcel Number

Primary APN	`1796.03-44-8813 0047759`
Alternative APNs	`004775901` `0047759`

Interior

Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,330 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	489,614 sqft (11.2 acres)
Garage Area	641 sqft
Porch	Porch
Porch Area	370 sqft
Deck Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0047759
Old Parcel Number	004775901
Street Address	8520 CUNNINGHAM RD
City	ZEBULON
State	NC
Zip	27597-8366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40W
Legal Description	& 1A BENJAMIN MITCHELL PRP TR1 BM1991-451
Legal Township	09
Legal Subdivision	01 & TR 01-A
Legal Tract	1
Jurisdiction	WAKE NC
Township / Civil Division	LITTLE RIVER
Census Block Group	1
Census Block	1023
Census Tract	54304

Owner

Source: Wake County records, as of April 18, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8520 CUNNINGHAM RD, ZEBULON, NC 27597-8366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage COASTAL FCU
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 3, 2019	Deed of Trust, Mortgage · Line of Credit COASTAL FCU
May 16, 2017	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2017 · Amount on Record
Deed Sale	May 16, 2017 · Amount on Record
Prior Sale	Jan 31, 2007 · Amount on Record
Deed Document Number	0167831883
Deed Book / Page	16783 / 1883
Record Updated	Jun 7, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	8520 CUNNINGHAM RD, ZEBULON, NC 27597-8366
Transaction Type	Mortgage
Record Updated	Mar 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8520 CUNNINGHAM RD, ZEBULON, NC 27597-8366

Mortgage

Document Number	019558/529
Date	Mar 11, 2024
Book Page	19558/529

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 10, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	8520 CUNNINGHAM RD, ZEBULON, NC 27597-8366
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17871/1242
Date	May 18, 2020
Book Page	17871/1242

Lender

Name	COASTAL FCU
Type	Credit Union
Address	GREENVILLE, SC 29607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	8520 CUNNINGHAM RD, ZEBULON, NC 27597-8366
Document Number	180980393
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	14 DAISY ST RALEIGH NC 276077039, RALEIGH, NC 27607-7039

Mortgage

Document Number	180980393
Date	Sep 28, 2020
Book Page	018098/000393

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	8520 CUNNINGHAM RD, ZEBULON, NC 27597-8366
Document Number	174670669
Instrument Date	Jun 3, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8520 CUNNINGHAM RD ZEBULON NC 275978366, ZEBULON, NC 27597-8366

Mortgage

Document Number	174670669
Date	Jun 7, 2019
Book Page	017467/000669

Lender

Name	COASTAL FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 6, 2039

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	May 16, 2017
Property Address	8520 CUNNINGHAM RD, ZEBULON, NC 27597-8366
Document Number	167831883
Book / Page	016783 / 001883
Instrument Date	May 16, 2017
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8520 CUNNINGHAM RD ZEBULON NC 275978366, ZEBULON, NC 27597-8366

Mortgage

Document Number	167831885
Date	May 16, 2017
Book Page	016783/001885

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

Tax Assessment & Valuation

Source: Wake County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,894.00	$625,235 Land $201,715 Building $423,520	$625,235 Land $201,715 Building $423,520

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 September 7, 2026 · 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
Community Rating System	Class 10 (0% premium discount)
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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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