326 Challenge Rd, Raleigh, NC 27603 Property Records

Wake County property record for 326 Challenge Rd, Raleigh, NC 27603

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,411 sqft · built 2004
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jan 2020)
Tax Bill	$7,064 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jan 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0699.02-78-2089-000`

Property Details

APN / Parcel Number

Primary APN	`0699.02-78-2089-000`
Alternative APNs	`0699.02-78-2089 0283950` `0699782089` `0283950`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,411 sqft Living Area
1st Floor Area	2,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	16,553 sqft (0.38 acres)
Garage Area	400 sqft
Porch	Open Porch
Porch Area	456 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	0283950
Street Address	326 CHALLENGE RD
City	RALEIGH
State	NC
Zip	27603-1969
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LO270 EAGLE RIDGE SUB PH5-A BM2001-389
Legal Subdivision	EAGLE RIDGE SUB PH5
Legal Phase	5
Legal Lot Number	270
Jurisdiction	WAKE NC
Township / Civil Division	PANTHER BRANCH
Census Block Group	5
Census Block	5005
Census Tract	53009

Owner

Source: Wake County records, as of September 9, 2025

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	326 CHALLENGE RD, RALEIGH, NC 27603-1969
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 31, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST MIDWEST BK
Jan 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 19, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU
Jun 8, 2018	Deed of Trust, Mortgage · Conventional with PMI PROSPERITY HM MTG
Jun 8, 2018	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Prior Sale	Jun 8, 2018 · Amount on Record
Deed Book / Page	17734 / 2658
Prior Transfer Date	Apr 24, 2013
Prior Transfer Doc	15248/1813
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	326 CHALLENGE RD, RALEIGH, NC 27603-1969
Transaction Type	Mortgage
Record Updated	Feb 27, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 CHALLENGE RD, RALEIGH, NC 27603-1969

Mortgage

Document Number	019534/182
Date	Feb 7, 2024
Book Page	19534/182

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Jan 31, 2020
Property Address	326 CHALLENGE RD, RALEIGH, NC 27603-1969
Document Number	177342658
Book / Page	017734 / 002658
Instrument Date	Jan 31, 2020
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	326 CHALLENGE RD RALEIGH NC 276031969, RALEIGH, NC 27603-1969

Mortgage

Document Number	177342660
Date	Jan 31, 2020
Book Page	017734/002660

Lender

Name	FIRST MIDWEST BK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKE NC
Recording Date	Jan 28, 2019
Property Address	326 CHALLENGE RD, RALEIGH, NC 27603-1969
Document Number	173461618
Book / Page	017346 / 001618
Instrument Date	Jan 22, 2019
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 PENFOLD LN WAKE FOREST NC 275875462, WAKE FOREST, NC 27587-5462

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	326 CHALLENGE RD, RALEIGH, NC 27603-1969
Document Number	172750451
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 CHALLENGE RD RALEIGH NC 276031969, RALEIGH, NC 27603-1969

Mortgage

Document Number	172750451
Date	Oct 24, 2018
Book Page	017275/000451

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27603

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	326 CHALLENGE RD, RALEIGH, NC 27603-1969
Document Number	171501176
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	326 CHALLENGE RD RALEIGH NC 276031969, RALEIGH, NC 27603-1969

Mortgage

Document Number	171501176
Date	Jun 8, 2018
Book Page	017150/001176

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Jun 8, 2018
Property Address	326 CHALLENGE RD, RALEIGH, NC 27603-1969
Document Number	171501173
Book / Page	017150 / 001173
Instrument Date	May 30, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$685.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	326 CHALLENGE RD RALEIGH NC 276031969, RALEIGH, NC 27603-1969

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,064.00 (+56.59%)	$679,283 (+94.18%) Land $114,000 Building $565,283	$679,283 (+94.18%) Land $114,000 Building $565,283
2023	$4,511.00	$349,813 Land $66,000 Building $283,813	$349,813 Land $66,000 Building $283,813

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 10 (0% premium discount)
Nearby Flood Policies	2 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	CITY OF RALEIGH serves 650,000 people · EPA ID NC0392010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 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	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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