Wake County property record for 1020 Reca Rd, Garner, NC 27529
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,764 sqft · built 1984 |
| Lot Size | 18.3 acres (799,762 sqft) |
| Owner | Individual Name on File |
| Last Sale | $640,000 (Feb 2023) |
| Tax Bill | $4,010 (2023) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1628.03-12-8699 0123091 |
| Primary APN | 1628.03-12-8699 0123091 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Heated Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 799,762 sqft (18.3 acres) |
| Porch | Porch |
| Porch Area | 144 sqft |
| Deck Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0123091 |
|---|---|
| Old Parcel Number | 012309101 |
| Street Address | 1020 RECA RD |
| City | GARNER |
| State | NC |
| Zip | 27529-9646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-30 |
| Legal Description | LO10B PRO CHARLES&MINNIE CARROLL BM1983-00448 |
| Legal Township | 15 |
| Legal Subdivision | CHARLES R CARROLL MINNIE A CAR |
| Legal Lot Number | 10B |
| Jurisdiction | WAKE NC |
| Township / Civil Division | PANTHER BRANCH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 52902 |
1020 Reca Rd is owned by an individual who bought it in February 2023.
Source: Wake County records, as of April 18, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 265 CREEK CROSSING DR, BENSON, NC 27504-8584 |
| 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.
| Date | Document |
|---|---|
| Feb 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK |
| Jun 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Aug 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Apr 12, 2017 | Warranty Deed, Transfer · Conventional with PMI HOMESIDE FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2023 · Amount on File |
| Deed Sale | Feb 10, 2023 · Amount on File |
| Prior Sale | Jun 30, 2021 · Amount on File |
| Deed Document Number | 0019259357 |
| Deed Book / Page | 19259 / 357 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | Feb 10, 2023 |
| Property Address | 1020 RECA RD, GARNER, NC 27529-9646 |
| Document Number | 019259/357 |
| Book / Page | 19259 / 357 |
| Map Reference | MB 1983 PG 448 |
| Instrument Date | Feb 3, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Title Company | HERITAGE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,280.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 721 SHADY SUMMIT WAY, RALEIGH, NC 27603-4877 |
| Name | Verified Name |
|---|---|
| Address | 265 CREEK CROSSING DR, BENSON, NC 27504-8584 |
| Document Number | 0019259359 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 19259/359 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.3% |
| Index | Other |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | Jun 30, 2021 |
| Property Address | 1020 RECA RD, GARNER, NC 27529-9646 |
| Document Number | 185761969 |
| Book / Page | 18576 / 1969 |
| Map Reference | MB 1983 PG 448 |
| Instrument Date | Jun 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 MELFORT DR, 12, PINEHURST, NC 28374-8893 |
| Name | Verified Name |
|---|---|
| Address | 1020 RECA RD, GARNER, NC 27529-9646 |
| Document Number | 185761972 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 18576/1972 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 1020 RECA RD, GARNER, NC 27529-9646 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE OF GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 12 MELFORT DR, PINEHURST, NC 28374-8893 |
| Document Number | 180190235 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 18019/235 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Aug 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.12% |
| Index | 1-Year LIBOR |
| Max Rate | 9.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | Apr 12, 2017 |
| Property Address | 1020 RECA RD, GARNER, NC 27529-9646 |
| Document Number | 167491969 |
| Book / Page | 016749 / 001969 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2017 |
| Title Company | MOREHEAD TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $680.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1020 RECA RD GARNER NC 275299646, GARNER, NC 27529-9646 |
| Document Number | 167491972 |
|---|---|
| Date | Apr 12, 2017 |
| Book Page | 016749/001972 |
| Name | HOMESIDE FIN'L |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 11, 2047 |
| Document Number | 167500701, |
|---|---|
| Date | Apr 12, 2017 |
| Book Page | 016750/000701 |
| Name | HOMESIDE FIN'L |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 11, 2047 |
Source: Wake County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Wake County |
| Unified School District | Wake County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,010.00 | $511,860 Land $302,450 Building $209,410 | $511,860 Land $302,450 Building $209,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1020 Reca Rd 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 September 7, 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 | 1 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 risk around 1020 Reca Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 25 / 5 |
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