406 Rustic Ridge Rd, Cary, NC 27511 Property Records

Wake County property record for 406 Rustic Ridge Rd, Cary, NC 27511

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,813 sqft · built 1971
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jul 2020)
Tax Bill	$3,821 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0763.09-26-1811-000`

Property Details

APN / Parcel Number

Primary APN	`0763.09-26-1811-000`
Alternative APNs	`0763.09-26-1811 0051880` `0763261811` `005188001` `0051880`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,813 sqft Living Area
1st Floor Area	1,813 sqft
Basement Area	588 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2020
Architectural Style	Split Level
Construction Type	Frame
Roof Type	Gambrel
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Carport
Carport	Carport
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	0051880
Street Address	406 RUSTIC RIDGE RD
City	CARY
State	NC
Zip	27511-3752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	LO64 WISHING WELL VILL PT SE1
Legal Subdivision	WISHING WELL VILL
Legal Lot Number	64
Jurisdiction	WAKE NC
Township / Civil Division	CARY
Census Block Group	3
Census Block	3006
Census Tract	53507

Owner

Source: Wake County records, as of November 24, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	406 RUSTIC RIDGE RD, CARY, NC 27511-3752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
Jul 30, 2020	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Apr 2, 2018	Warranty Deed, Transfer · Conventional with PMI PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Apr 2, 2018 · Amount on Record
Deed Book / Page	17991 / 1804
Prior Transfer Date	Nov 17, 2016
Prior Transfer Doc	166140505
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	406 RUSTIC RIDGE RD, CARY, NC 27511-3752
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	020064/942
Date	Nov 10, 2025
Book Page	20064/942

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	406 RUSTIC RIDGE RD, CARY, NC 27511-3752
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018955/916
Date	Mar 15, 2022
Book Page	18955/916

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Apr 5, 2029
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Jul 30, 2020
Property Address	406 RUSTIC RIDGE RD, CARY, NC 27511-3752
Document Number	179911804
Book / Page	17991 / 1804
Map Reference	MB 1971 PG 54
Instrument Date	Jul 30, 2020
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 RUSTIC RIDGE RD, CARY, NC 27511-3752

Mortgage

Document Number	179911807
Date	Jul 30, 2020
Instrument	17991/1807

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Apr 2, 2018
Property Address	406 RUSTIC RIDGE RD, CARY, NC 27511-3752
Document Number	170861407
Book / Page	017086 / 001407
Instrument Date	Mar 27, 2018
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 RUSTIC RIDGE RD CARY NC 275113752, CARY, NC 27511-3752

Mortgage

Document Number	170861409
Date	Apr 2, 2018
Book Page	017086/001409

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 1, 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	$3,821.00 (+30.54%)	$443,511 (+52.86%) Land $190,000 Building $253,511	$443,511 (+52.86%) Land $190,000 Building $253,511
2023	$2,927.00	$290,137 Land $118,000 Building $172,137	$290,137 Land $118,000 Building $172,137

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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