428 S McDowell St, Raleigh, NC 27601 Property Records

Wake County property record for 428 S McDowell St, Raleigh, NC 27601

Property Summary

Property Type	Retail Store
Details	4,000 sqft · built 1915
Lot Size	0.089 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$116,500 (Aug 2018)
Tax Bill	$13,960 (2023)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1703.41-67-1005 0019321`

Property Details

APN / Parcel Number

Primary APN	`1703.41-67-1005 0019321`
Alternative APNs	`001932101` `0019321`

Interior

Stories	1 Story
Building Area	4,000 sqft Heated Area
1st Floor Area	4,000 sqft
Attic Area	1,400 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Raised
Lot Area	3,920 sqft (0.089 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	0019321
Old Parcel Number	001932101
Street Address	428 S MCDOWELL ST
City	RALEIGH
State	NC
Zip	27601-1727
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	DX-20
Legal Description	LO3 & 4 PROPERTY OF SMITH & NORWOOD BM1925-00077
Legal Township	01
Legal Subdivision	PROPERTY/C DOUGLAS VAN DE ZAND
Legal Lot Number	3,4 4
Jurisdiction	WAKE NC
Township / Civil Division	RALEIGH
Census Block Group	2
Census Block	2026
Census Tract	50100

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	Company Name on Record
Mailing Address	1519 BROOKSIDE DR, RALEIGH, NC 27604-2002
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Line of Credit PROVIDENCE BANK
Aug 10, 2018	Warranty Deed, Transfer · Line of Credit NORTH ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2018 · Amount on Record
Deed Sale	Aug 10, 2018 · Amount on Record
Prior Sale	Jun 17, 2014 · Amount on Record
Deed Document Number	0001721119
Deed Book / Page	17211 / 19
Record Updated	Jun 7, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	428 S MCDOWELL ST, RALEIGH, NC 27601-1727
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 S MCDOWELL ST, RALEIGH, NC 27601-1727

Mortgage

Document Number	20140/2505
Date	Feb 10, 2026
Book Page	20140/2505

Lender

Name	PROVIDENCE BANK
Type	Bank
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKE NC
Recording Date	Aug 10, 2018
Property Address	428 S MCDOWELL ST, RALEIGH, NC 27601-1727
Document Number	172110019
Book / Page	017211 / 000019
Instrument Date	Aug 8, 2018
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,105.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	428 S MCDOWELL ST RALEIGH NC 276011727, RALEIGH, NC 27601-1727

Mortgage

Document Number	172110023
Date	Aug 10, 2018
Book Page	017211/000023

Lender

Name	NORTH ST BK
Type	Bank
Address	230 FAYETTEVILLE ST # 100, RALEIGH, NC 27601-1586

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 9, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$13,960.00	$1,194,652 Land $784,784 Building $409,868	$1,194,652 Land $784,784 Building $409,868

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 5 (25% premium discount)
Nearby Flood Policies	3 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	Not rated no burnable land within ember reach

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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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