197 Gaffer St, Garner, NC 27529 Property Records

Wake County property record for 197 Gaffer St, Garner, NC 27529

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,836 sqft · built 2006
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Owner Names on File
Last Sale	$268,500 (Aug 2006)
Tax Bill	$3,534 (2023)
Deeds & Mortgages	Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1700.03-44-3435 0333961`

Property Details

APN / Parcel Number

Primary APN	`1700.03-44-3435 0333961`
Alternative APN	`0333961`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,836 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	20,038 sqft (0.46 acres)
Garage Area	420 sqft
Porch	Porch
Porch Area	127 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0333961
Street Address	197 GAFFER ST
City	GARNER
State	NC
Zip	27529-4392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LO45 VANDORA PINES PHIIB BM2005-01151
Legal Township	16
Legal Subdivision	VANDORA PINES PH IIB
Legal Lot Number	45
Jurisdiction	WAKE NC
Township / Civil Division	ST. MARYS
Census Block Group	1
Census Block	1006
Census Tract	52801

Owner

The current owner of 197 Gaffer St bought it in August 2006.

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

Owner of Record	2 Owner Names on File
Mailing Address	197 GAFFER ST, GARNER, NC 27529-4392
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2006 · Amount on File
Deed Sale	Aug 2, 2006 · Amount on File
Deed Document Number	0120972420
Deed Book / Page	12097 / 2420
Record Updated	Jun 7, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	197 GAFFER ST, GARNER, NC 27529-4392
Document Number	177351168
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 GAFFER ST GARNER NC 275294392, GARNER, NC 27529-4392

Mortgage

Document Number	177351168
Date	Feb 3, 2020
Book Page	017735/001168

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2023	$3,534.00	$273,681 Land $48,000 Building $225,681	$273,681 Land $48,000 Building $225,681

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

Flood

FEMA maps place 197 Gaffer St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2017–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2020 · rainfall accumulation

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 197 Gaffer St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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