628 Ray Dr, Carnegie, PA 15106 Property Records

Allegheny County property record for 628 Ray Dr, Carnegie, PA 15106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,570 sqft · built 1975
Lot Size	0.261 acres (11,388 sqft)
Owner	2 Individual Names on File
Last Sale	$247,500 (Sep 2019)
Tax Bill	$1,255 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-K-1`

Property Details

APN / Parcel Number

Primary APN	`104-K-1`
Alternative APN	`0104-K-00001-0000-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
Basement Area	2 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Other
Lot Area	11,388 sqft (0.261 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	628 RAY DR
City	CARNEGIE
State	PA
Zip	15106-1851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REVISION NO 1 OF ROBERTS 2ND PLAN #18 LOT 90X126.85X89.55 RAY DR 1 STY BRK & FRA S/L HSE-GAR 628
Legal Subdivision	REVISION NO 1 OF ROBERTS 2ND
Legal Block	104K
Legal Lot Number	1
Jurisdiction	ALLEGHENY PA
Township / Civil Division	CARNEGIE
Census Block Group	1
Census Block	1010
Census Tract	468700

Owner

628 Ray Dr is owned and occupied by two individuals who bought it in September 2019.

Source: Allegheny County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	628 RAY DR, CARNEGIE, PA 15106-1851
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage TOYOTA FINANCIAL SAVINGS BANK
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK N A
Nov 2, 2017	Deed of Trust, Mortgage · Line of Credit WASHINGTON FINANCIAL BANK
Sep 9, 2019	Special Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2019 · Amount on File
Deed Sale	Sep 9, 2019 · Amount on File
Prior Sale	Mar 24, 1975 · Amount on File
Deed Document Number	201927531
Deed Book / Page	17759 / 414
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHENY PA
Recording Date	Oct 5, 2026
Property Address	628 RAY DR, CARNEGIE, PA 15106-1851
Document Number	0000056972
Book / Page	61977 / 432
Instrument Date	Sep 26, 2026
Instrument	202656972
Transaction Type	Mortgage
Record Updated	Oct 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000056972,
Date	Oct 5, 2026
Book Page	61977/432
Instrument	202656972

Lender

Name	TOYOTA FINANCIAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHENY PA
Property Address	628 RAY DR, CARNEGIE, PA 15106-1851
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	BROKERS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0551570262
Date	Oct 1, 2021
Book Page	55157/262
Instrument	2021-103517

Lender

Name	CITIZENS BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGHENY PA
Property Address	628 RAY DR, CARNEGIE, PA 15106-1851
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0485870447
Date	Nov 2, 2017
Book Page	48587/447
Instrument	201779997

Lender

Name	WASHINGTON FINANCIAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ALLEGHENY PA
Recording Date	Sep 9, 2019
Property Address	628 RAY DR, CARNEGIE, PA 15106-1851
Document Number	0177590414
Book / Page	17759 / 414
Instrument Date	Aug 29, 2019
Instrument	201927531
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	BROKERS SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201958400
Date	Sep 9, 2019
Instrument	201958400

Lender

Name	HOME POINT FINANCIAL CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 628 Ray Dr was $1,255 with a homeowner's exemption.

Source: Allegheny County assessment roll, as of June 3, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Allegheny County
Municipality	Carnegie Borough
Unified School District	Carlynton School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,255.00 Homeowner's exemption	$195,300 (-) Land $30,600 Building $164,700	$213,300 (-) Land $30,600 Building $182,700
2025	$1,255.00 Homeowner's exemption	$195,300 Land $30,600 Building $164,700	$213,300 Land $30,600 Building $182,700
2023	$7,562.00 Homeowner's exemption	$195,300 Land $30,600 Building $164,700
2012			$213,300 Land $30,600 Building $182,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 628 Ray Dr in Zone X, an area of minimal flood risk, though there have been 52 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective September 10, 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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	52 (1981–2026)
Claims Outside the SFHA	20 of 52
Most Recent Claim	Feb 2026
Claims by Event	Tropical Depression Ivan, Sep 2004 · 28 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

Wildfire risk around 628 Ray Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	PA AMER WATER CO-PITTSBURGH private · serves 686,000 people · EPA ID PA5020039
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Nov 2017
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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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