405 Rustic Ridge Rd, Cary, NC 27511 Property Records

Wake County property record for 405 Rustic Ridge Rd, Cary, NC 27511

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,895 sqft · built 1971
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Apr 2018)
Tax Bill	$3,278 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0763.09-16-9521-000`

Property Details

APN / Parcel Number

Primary APN	`0763.09-16-9521-000`
Alternative APNs	`0763.09-16-9521 0020088` `0763169521` `002008801` `0020088`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,895 sqft Living Area
1st Floor Area	1,895 sqft
Basement Area	588 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1991
Architectural Style	Split Level
Construction Type	Frame
Roof Type	Mansard
Lot Area	17,424 sqft (0.4 acres)
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	0020088
Street Address	405 RUSTIC RIDGE RD
City	CARY
State	NC
Zip	27511-3751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	LO69 WISHING WELL VILL PT SE1
Legal Subdivision	WISHING WELL VILL
Legal Lot Number	69
Jurisdiction	WAKE NC
Township / Civil Division	CARY
Census Block Group	3
Census Block	3006
Census Tract	53507

Owner

Source: Wake County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 RUSTIC RIDGE RD, CARY, NC 27511-3751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Oct 22, 2019	Deed of Trust, Mortgage · Conventional with PMI JG WENTWORTH LNDG LLC
Apr 17, 2018	Warranty Deed, Transfer · Conventional with PMI PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2018 · Amount on Record
Deed Sale	Apr 17, 2018 · Amount on Record
Prior Sale	Jan 1, 1971 · Amount on Record
Deed Book / Page	17099 / 2051
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	405 RUSTIC RIDGE RD, CARY, NC 27511-3751
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	020086/712
Date	Dec 4, 2025
Book Page	20086/712

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	405 RUSTIC RIDGE RD, CARY, NC 27511-3751
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18072/1722
Date	Sep 15, 2020
Book Page	18072/1722

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	405 RUSTIC RIDGE RD, CARY, NC 27511-3751
Document Number	176280395
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RUSTIC RIDGE RD CARY NC 275113751, CARY, NC 27511-3751

Mortgage

Document Number	176280395
Date	Oct 28, 2019
Book Page	017628/000395

Lender

Name	JG WENTWORTH LNDG LLC
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Apr 17, 2018
Property Address	405 RUSTIC RIDGE RD, CARY, NC 27511-3751
Document Number	170992051
Book / Page	017099 / 002051
Instrument Date	Apr 10, 2018
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 RUSTIC RIDGE RD CARY NC 275113751, CARY, NC 27511-3751

Mortgage

Document Number	170992054
Date	Apr 17, 2018
Book Page	017099/002054

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,278.00 (+26.96%)	$380,181 (+48.65%) Land $190,000 Building $190,181	$380,181 (+48.65%) Land $190,000 Building $190,181
2023	$2,582.00	$255,750 Land $118,000 Building $137,750	$255,750 Land $118,000 Building $137,750

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	13 (2003–2025)
Claims Outside the SFHA	13 of 13
Most Recent Claim	Aug 2025 · river or lake flooding

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

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	None beyond ember reach

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	TOWN OF CARY serves 227,300 people · EPA ID NC0392020
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · May 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 303 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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