120 White Cap Ln, Garner, NC 27529 Property Records

Wake County property record for 120 White Cap Ln, Garner, NC 27529

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,188 sqft · built 2002
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Nov 2019)
Tax Bill	$4,160 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1710.20-90-1996-000`

Property Details

APN / Parcel Number

Primary APN	`1710.20-90-1996-000`
Alternative APNs	`1710.20-90-1996 0257260` `1710901996` `025726001` `0257260`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,188 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Lot Area	14,810 sqft (0.34 acres)
Garage Area	550 sqft
Porch	Screened Porch
Porch Area	160 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	0257260
Street Address	120 WHITE CAP LN
City	GARNER
State	NC
Zip	27529-3959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LO38 REV SOUTH CREEK SUB PH1 BM2001-0019
Legal Subdivision	REV SOUTH CREEK SUB PH1
Legal Phase	1
Legal Lot Number	38
Jurisdiction	WAKE NC
Township / Civil Division	ST. MARYS
Census Block Group	3
Census Block	3015
Census Tract	52814

Owner

120 White Cap Ln is owned and occupied by two individuals who bought it in November 2019.

Source: Wake County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 WHITE CAP LN, GARNER, NC 27529-3959
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
Nov 27, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Jun 25, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Mar 10, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on File
Deed Sale	Nov 27, 2019 · Amount on File
Prior Sale	Dec 15, 2005 · Amount on File
Deed Book / Page	17667 / 1199
Prior Transfer Date	Nov 11, 2005
Prior Transfer Doc	116810791
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Nov 27, 2019
Property Address	120 WHITE CAP LN, GARNER, NC 27529-3959
Document Number	176671199
Book / Page	017667 / 001199
Instrument Date	Nov 13, 2019
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	120 WHITE CAP LN GARNER NC 275293959, GARNER, NC 27529-3959

Mortgage

Document Number	176671201
Date	Nov 27, 2019
Book Page	017667/001201

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	120 WHITE CAP LN, GARNER, NC 27529-3959
Document Number	171691086
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 WHITE CAP LN GARNER NC 275293959, GARNER, NC 27529-3959

Mortgage

Document Number	171691086
Date	Jun 28, 2018
Book Page	017169/001086

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	120 WHITE CAP LN, GARNER, NC 27529-3959
Document Number	167191452
Book / Page	016719 / 001452
Instrument Date	Mar 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 24, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 WHITE CAP LN GARNER NC 275293959, GARNER, NC 27529-3959

Mortgage

Document Number	167191452
Date	Mar 14, 2017
Book Page	016719/001452

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Mar 13, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 120 White Cap Ln was $4,160.

Source: Wake County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,160.00	$399,247 Land $105,000 Building $294,247	$399,247 Land $105,000 Building $294,247
2023	$3,342.00	$258,783 Land $52,000 Building $206,783	$258,783 Land $52,000 Building $206,783

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

Flood

FEMA maps place 120 White Cap Ln 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	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

Wildfire risk around 120 White Cap Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF RALEIGH serves 650,000 people · EPA ID NC0392010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber, Hotwire Communications.

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