Wake County property record for 3320 Ruffin St, Raleigh, NC 27607 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,698 sqft · built 2020 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Aug 2015) |
| Tax Bill | $9,435 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0794.10-45-2151-000 |
| Primary APN | 0794.10-45-2151-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,698 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 0047478 |
|---|---|
| Street Address | 3320 RUFFIN ST |
| City | RALEIGH |
| State | NC |
| Zip | 27607-4026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LO110 WILMONT BM1924-00010 |
| Legal Subdivision | WILMONT |
| Legal Lot Number | 110 |
| Jurisdiction | WAKE NC |
| Township / Civil Division | RALEIGH |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 51400 |
Source: Wake County records · APN 0794.10-45-2151-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 3320 RUFFIN ST, RALEIGH, NC 27607-4026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| May 04, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION |
| Jun 08, 2022 | Quit Claim Deed, Transfer · Conventional Mortgage COGENT BANK |
| Feb 05, 2021 | Deed of Trust, Mortgage · Construction Mortgage COGENT BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 28, 2015 · Amount on Record |
| Deed Sale | Aug 28, 2015 · Amount on Record |
| Deed Book / Page | 16135 / 600 |
| Last Transfer Date | Jun 03, 2022 |
| Transfer Doc | 019052/425 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | May 04, 2026 |
| Property Address | 3320 RUFFIN ST, RALEIGH, NC 27607-4026 |
| Document Number | 0000048910 |
| Book / Page | 20219 / 1135 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 202648910 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3320 RUFFIN ST, RALEIGH, NC 27607-4026 |
| Document Number | 0000048911, |
|---|---|
| Date | May 04, 2026 |
| Instrument | 202648911 |
| Name | SWBC MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | Jun 08, 2022 |
| Property Address | 3320 RUFFIN ST, RALEIGH, NC 27607-4026 |
| Document Number | 019052/425 |
| Book / Page | 19052 / 425 |
| Map Reference | MB 1924 PG 10 |
| Instrument Date | Jun 03, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1570 ATRIA CIR APT 3201, 1570, RALEIGH, NC 27604-5343 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0019052427 |
|---|---|
| Date | Jun 08, 2022 |
| Instrument | 19052/427 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 3320 RUFFIN ST, RALEIGH, NC 27607-4026 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3320 RUFFIN ST, RALEIGH, NC 27607-4026 |
| Document Number | 018329/875 |
|---|---|
| Date | Feb 05, 2021 |
| Book Page | 18329/875 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | ROANOKE, VA 24013 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Wake County records · Assessment roll updated September 9, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Wake County |
| Municipality | Raleigh City |
| Unified School District | Wake 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 |
|---|---|---|---|
| 2025 | $9,435.00 (-0.68%) | $1,079,589 (+24.13%) Land $340,000 Building $739,589 | $1,079,589 (+24.13%) Land $340,000 Building $739,589 |
| 2023 | $9,500.00 | $869,734 Land $260,000 Building $609,734 | $869,734 Land $260,000 Building $609,734 |
Source: FEMA National Flood Hazard Layer, Wake County (37183C), updated September 7, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371830514003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force 3 of 3 on primary residences |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2024, other causes, Tropical Storm Helene |
| Flood Events |
|
| Wildfire Risk | Low above 5% of the US · above 3% of 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the West Raleigh Historic District listed 2003 · 1,173 contributing resources · NRIS 03001300 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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