Wake County property record for 3909 Cobb St, Garner, NC 27529
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,075 sqft · built 1961 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $172,000 (Oct 2020) |
| Tax Bill | $2,855 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1711.06-39-0465-000 |
| Primary APN | 1711.06-39-0465-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,075 sqft Living Area |
| 1st Floor Area | 1,075 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Deck Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Account Number | 0042020 |
|---|---|
| Street Address | 3909 COBB ST |
| City | GARNER |
| State | NC |
| Zip | 27529-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LO20 CLOVERDALE SE2 BLH |
| Legal Subdivision | CLOVERDALE SEC 02 |
| Legal Lot Number | 20 |
| Jurisdiction | WAKE NC |
| Township / Civil Division | ST. MARYS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 52815 |
3909 Cobb St is owned by an individual who bought it in October 2020.
Source: Wake County records, as of October 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2068 LONGWOOD DR, CREEDMOOR, NC 27522-8110 |
| 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 |
|---|---|
| Oct 8, 2020 | Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Dec 28, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2020 · Amount on File |
| Deed Sale | Oct 8, 2020 · Amount on File |
| Prior Sale | May 8, 2013 · Amount on File |
| Deed Book / Page | 18118 / 1247 |
| Prior Transfer Date | Apr 21, 2010 |
| Prior Transfer Doc | 1391502082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | Oct 8, 2020 |
| Property Address | 3909 COBB ST, GARNER, NC 27529-2607 |
| Document Number | 181181247 |
| Book / Page | 18118 / 1247 |
| Map Reference | MB 1954 PG 115 |
| Instrument Date | Sep 9, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $344.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 14357, RALEIGH, NC 27620-4357 |
| Name | Verified Name |
|---|---|
| Address | 2068 LONGWOOD DR, CREEDMOOR, NC 27522-8110 |
| Document Number | 181181251 |
|---|---|
| Date | Oct 8, 2020 |
| Instrument | 18118/1251 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 3909 COBB ST, GARNER, NC 27529-2607 |
| Document Number | 170141103 |
| Instrument Date | Dec 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3909 COBB ST GARNER NC 275292607, GARNER, NC 27529-2607 |
| Document Number | 170141103 |
|---|---|
| Date | Jan 4, 2018 |
| Book Page | 017014/001103 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27610 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3909 Cobb St was $2,855.
Source: Wake County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Wake County |
| Municipality | Garner Town |
| Unified School District | Wake County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,855.00 | $273,384 Land $130,000 Building $143,384 | $273,384 Land $130,000 Building $143,384 |
| 2023 | $2,055.00 | $158,563 Land $55,000 Building $103,563 | $158,563 Land $55,000 Building $103,563 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3909 Cobb St in Zone X, an area of minimal flood risk.
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 | 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 risk around 3909 Cobb St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 311 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 |
| Verizon Fixed Wireless | 300 / 20 |
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