Wake County property record for 645 Hay River St, Garner, NC 27529 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,920 sqft Living Area |
| Lot Size | 7,405 sqft (0.17 acres) |
| Garage | 240 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $165,000 (2006) |
| Tax Bill | $3,328.00 (2025) |
| Primary APN | 1721.05-09-8646-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,920 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 240 sqft Garage |
| Deck Area | 192 sqft Deck |
| Patio Area | 96 sqft Patio |
| Porch Area | 64 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 0323808 |
|---|---|
| Street Address | 645 HAY RIVER ST |
| City | GARNER |
| State | NC |
| Zip | 27529-6210 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LO183 RCMB HUNTER MARK SUB BM2005-02360 |
| Legal Subdivision | RCMB HUNTER MARK SUB |
| Legal Lot Number | 183 |
| Jurisdiction | WAKE NC |
| Minor Civil Division | ST. MARYS |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 52815 |
Source: Wake County records · APN 1721.05-09-8646-000
Assessment roll updated September 9, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 645 HAY RIVER ST, GARNER, NC 27529-6210 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 26, 2006 · Amount on Record |
| Deed Sale | May 26, 2006 · Amount on Record |
| Deed Book / Page | 11976 / 499 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 645 HAY RIVER ST, GARNER, NC 27529-6210 |
| Document Number | 177372582 |
| Instrument Date | Jan 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 645 HAY RIVER ST GARNER NC 275296210, GARNER, NC 27529-6210 |
| Document Number | 177372582 |
|---|---|
| Date | Feb 05, 2020 |
| Book Page | 017737/002582 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | DENVER, CO 80249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 04, 2035 |
| Rate | 5.37% |
|---|
Source: Wake County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Wake County |
| Municipality | Garner Town |
| Unified School District | Wake County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,328.00 (+22.35%) | $318,971 (+51.66%) Land $90,000 Building $228,971 | $318,971 (+51.66%) Land $90,000 Building $228,971 |
| 2023 | $2,720.00 | $210,322 Land $43,000 Building $167,322 | $210,322 Land $43,000 Building $167,322 |
645 Hay River St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Wake County (37183C), updated September 7, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 24th in North Carolina |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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