413 Garrett Rd, Eden, NC 27288 Property Records

Rockingham County property record for 413 Garrett Rd, Eden, NC 27288

Property Summary

Property Type	Single Family Home
Details	1,668 sqft · built 1960
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,278 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7061-13-13-3665-00`

Property Details

APN / Parcel Number

Primary APN	`7061-13-13-3665-00`
Alternative APN	`103678`

Interior

Stories	1 Story
Building Area	1,668 sqft Finished Area
1st Floor Area	1,668 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Masonry / Concrete Block
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	200 ft deep x 145 ft wide
Deck Area	4,800 sqft
Patio Area	592 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	103678
Street Address	413 GARRETT RD
City	EDEN
State	NC
Zip	27288-7742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES PROTEC
Legal Description	67 AC GARRETT RD 70610013258800
Legal Subdivision	JOHN ALLEN CARTER AND TANYA W CARTER
Jurisdiction	ROCKINGHAM NC
Township / Civil Division	LEAKSVILLE
Census Block Group	1
Census Block	1000
Census Tract	40501

Owner

Source: Rockingham County records, as of September 28, 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	413 GARRETT RD, EDEN, NC 27288-7742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 22, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Oct 22, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM NC
Property Address	413 GARRETT RD, EDEN, NC 27288-7742
Transaction Type	Mortgage
Record Updated	Oct 3, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 GARRETT RD, EDEN, NC 27288-7742

Mortgage

Document Number	0000669224
Date	Sep 19, 2025
Book Page	1697/1529
Instrument	669224

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Nov 1, 2051

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ROCKINGHAM NC
Property Address	413 GARRETT RD, EDEN, NC 27288-7742
Document Number	0000581007
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 GARRETT RD EDEN NC 272887742, EDEN, NC 27288-7742

Mortgage

Document Number	0000581007
Date	Nov 26, 2018
Book Page	001551/000337
Instrument	581007

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

Interest

Rate	4.87%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM NC
Property Address	413 GARRETT RD, EDEN, NC 27288-7742
Document Number	0000581010
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 GARRETT RD EDEN NC 272887742, EDEN, NC 27288-7742

Mortgage

Document Number	0000581010
Date	Nov 26, 2018
Book Page	001551/000353
Instrument	581010

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

Tax Assessment & Valuation

Source: Rockingham County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rockingham County
Unified School District	Rockingham County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,278.00 (+50.18%)	$197,033 (+83.9%) Land $16,240 Building $180,793	$197,033 (+83.9%) Land $16,240 Building $180,793
2023	$851.00	$107,140 Land $14,616 Building $92,524	$107,140 Land $14,616 Building $92,524

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 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
Nearby Flood Policies	1 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DAN RIVER WATER INC private · serves 12,573 people · EPA ID NC0279040
Water Source	Purchased surface water from CITY OF EDEN
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2025
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	11 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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