Orange County property record for 403 Gary Rd, Carrboro, NC 27510
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,537 sqft · built 1965 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $238,500 (May 2010) |
| Tax Bill | $5,320 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9778-45-4785 |
| Primary APN | 9778-45-4785 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,537 sqft Living Area |
| Gross Area | 2,507 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Other |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Patio Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 403 GARY RD |
|---|---|
| City | CARRBORO |
| State | NC |
| Zip | 27510-1927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10R15 |
| Legal Description | 65 WINDWOOD P14/106 |
| Legal Subdivision | WINDWOODS SUBDIVISION |
| Jurisdiction | ORANGE NC |
| Township / Civil Division | CHAPEL HILL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 10707 |
403 Gary Rd is owned and occupied by two individuals who bought it in May 2010.
Source: Orange County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 GARY RD, CARRBORO, NC 27510-1927 |
| 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.
| Date | Document |
|---|---|
| Sep 8, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2010 · Amount on File |
| Deed Sale | May 7, 2010 · Amount on File |
| Prior Sale | Jun 5, 2007 · Amount on File |
| Deed Book / Page | 4942 / 363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NC |
| Property Address | 403 GARY RD, CARRBORO, NC 27510-1927 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Title Company | STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 403 GARY RD, CARRBORO, NC 27510-1927 |
| Document Number | 0067941623 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 6794/1623 |
| Instrument | 30078430 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE NC |
| Property Address | 403 GARY RD, CARRBORO, NC 27510-1927 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66872131 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 6687/2131 |
| Instrument | 30033269 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
The 2026 property tax bill for 403 Gary Rd was $5,320, up 3.1% from the year before.
Source: Orange County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Carrboro Town |
| County | Orange County |
| Unified School District | Chapel Hill-Carrboro Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,320.00 (+3.06%) | $364,400 (-) Land $190,000 Building $174,400 | $364,400 (-) Land $190,000 Building $174,400 |
| 2025 | $5,162.00 | $364,400 Land $190,000 Building $174,400 | $364,400 Land $190,000 Building $174,400 |
| 2023 | $4,508.00 | $261,100 Land $125,000 Building $136,100 | $261,100 Land $125,000 Building $136,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Gary Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2025.
Source: FEMA National Flood Hazard Layer, effective June 9, 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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 3 (2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jul 2025 · 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 risk around 403 Gary Rd is low, with 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 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 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 | ORANGE WATER & SEWER AUTHORITY serves 86,500 people · EPA ID NC0368010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2026–2028) 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 305 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 · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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