409 McPhail Rd, Raeford, NC 28376 Property Records

Hoke County property record for 409 McPhail Rd, Raeford, NC 28376

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,857 sqft · built 2005
Lot Size	1.47 acres (64,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,500 (Oct 2026)
Tax Bill	$2,314 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`494650301162`

Property Details

APN / Parcel Number

Primary APN	`494650301162`
Alternative APN	`245287`

Interior

Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,857 sqft Living Area
1st Floor Area	1,216 sqft
Upper Floors Area	641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	64,382 sqft (1.47 acres)
Porch	Slab
Porch Area	1,472 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	245287
Street Address	409 MCPHAIL RD
City	RAEFORD
State	NC
Zip	28376-8303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E3B DEWAR EST 3-23/7 ROAD PAVED FOR 2009 ADJ VALUE FOR 2009
Legal Subdivision	DEWAR EST
Jurisdiction	HOKE NC
Township / Civil Division	MCLAUCHLIN
Census Block Group	2
Census Block	2000
Census Tract	970107

Owner

Source: Hoke County records, as of October 22, 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	409 MCPHAIL RD, RAEFORD, NC 28376-8303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Warranty Deed, Transfer · FHA Mortgage NFM LENDING
May 27, 2021	Warranty Deed, Transfer · VA Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2026 · Amount on Record
Deed Sale	Oct 7, 2026 · Amount on Record
Prior Sale	May 27, 2021 · Amount on Record
Deed Document Number	20267385
Deed Book / Page	1683 / 505
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOKE NC
Recording Date	Oct 7, 2026
Property Address	409 MCPHAIL RD, RAEFORD, NC 28376-8303
Document Number	0000007385
Book / Page	1683 / 505
Instrument Date	Oct 1, 2026
Instrument	20267385
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MCPHAIL RD, RAEFORD, NC 28376-8303

Mortgage

Document Number	0000007386,
Date	Oct 7, 2026
Instrument	20267386

Lender

Name	NFM LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOKE NC
Recording Date	May 27, 2021
Property Address	409 MCPHAIL RD, RAEFORD, NC 28376-8303
Document Number	1380/324
Book / Page	1380 / 324
Map Reference	CAB 3 SL J-3-23 MAP
Instrument Date	May 26, 2021
Instrument	5053
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	TIAGO NATIONAL TITLE-FAYETTEVILLE, TIAGO NATL TTL FAYETTEVILLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	464 PARTRIDGE LN, 464, WEST END, NC 27376-8990

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5054
Date	May 27, 2021
Instrument	5054

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Hoke County assessment roll, as of September 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,314.00	$269,750 (-) Land $32,870 Building $236,880	$269,750 (-) Land $32,870 Building $236,880
2025	$2,314.00	$269,750 (-) Land $32,870 Building $236,880	$269,750 (-) Land $32,870 Building $236,880
2023		$269,750 Land $32,870 Building $236,880	$269,750 (-) Land $32,870 Building $236,880
2022	$2,314.00		$269,750 Land $32,870 Building $236,880

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 July 7, 2014 · 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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (2016–2018)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% 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	HOKE CO REGIONAL WATER SYSTEM serves 36,640 people · EPA ID NC0347025
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: LREMC Technologies.

Cell Coverage

5G (outdoors only) and 4G LTE

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