401 Challenge Rd, Raleigh, NC 27603 Property Records

Wake County property record for 401 Challenge Rd, Raleigh, NC 27603

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,725 sqft · built 2004
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Dec 2019)
Tax Bill	$4,462 (2023)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0699.02-78-0210 0327383`

Property Details

APN / Parcel Number

Primary APN	`0699.02-78-0210 0327383`
Alternative APN	`0327383`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,725 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	20,909 sqft (0.48 acres)
Garage Area	294 sqft
Porch	Porch
Porch Area	315 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0327383
Street Address	401 CHALLENGE RD
City	RALEIGH
State	NC
Zip	27603-5562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LO440 EAGLE RIDGE SUB PH5B SC1 BM2005-00041
Legal Township	15
Legal Subdivision	EAGLE RIDGE SUB
Legal Phase	SC1
Legal Lot Number	440
Jurisdiction	WAKE NC
Township / Civil Division	PANTHER BRANCH
Census Block Group	4
Census Block	4004
Census Tract	53009

Owner

Source: Wake County records, as of April 18, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	401 CHALLENGE RD, RALEIGH, NC 27603-5562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP
Dec 20, 2019	Warranty Deed, Transfer · Conventional with PMI FIRST SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on File
Deed Sale	Dec 20, 2019 · Amount on File
Prior Sale	Jun 22, 2007 · Amount on File
Deed Document Number	0176911536
Deed Book / Page	17691 / 1536
Record Updated	Jun 7, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	401 CHALLENGE RD, RALEIGH, NC 27603-5562
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CHALLENGE RD, RALEIGH, NC 27603-5562

Mortgage

Document Number	19091/1903
Date	Jul 19, 2022
Book Page	19091/1903

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 13, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	401 CHALLENGE RD, RALEIGH, NC 27603-5562
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	185672210
Date	Jun 24, 2021
Book Page	18567/2210

Lender

Name	SOFI LENDING CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Dec 20, 2019
Property Address	401 CHALLENGE RD, RALEIGH, NC 27603-5562
Document Number	176911536
Book / Page	017691 / 001536
Instrument Date	Dec 19, 2019
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CHALLENGE RD RALEIGH NC 276035562, RALEIGH, NC 27603-5562

Mortgage

Document Number	176911539
Date	Dec 20, 2019
Book Page	017691/001539

Lender

Name	FIRST SVGS BK
Type	Federal Savings Bank
Address	CLARKSVILLE, IN 47129

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2049

Tax Assessment & Valuation

Source: Wake County assessment roll, as of January 1, 2023

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
2023	$4,462.00	$345,999 Land $71,500 Building $274,499	$345,999 Land $71,500 Building $274,499

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	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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 155 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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