1257 Lt Congleton Rd, Wilmington, NC 28409 Property Records

New Hanover County property record for 1257 Lt Congleton Rd, Wilmington, NC 28409

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,652 sqft · built 2020
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$432,000 (Dec 2020)
Tax Bill	$2,693 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R07900-003-504-000`

Property Details

APN / Parcel Number

Primary APN	`R07900-003-504-000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,652 sqft Living Area
1st Floor Area	2,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,454 sqft (0.24 acres)
Terrain	Low
Garage Area	484 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	1257 LT CONGLETON RD
City	WILMINGTON
State	NC
Zip	28409-4549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	LOT 17 PH 1 SEC 1 CONGLETON
Legal Subdivision	CONGLETON
Legal Block	3
Legal Lot Number	17
Jurisdiction	NEW HANOVER NC
Township / Civil Division	FEDERAL POINT
Census Block Group	1
Census Block	1004
Census Tract	12109

Owner

1257 Lt Congleton Rd is owned and occupied by an individual who bought it in December 2020.

Source: New Hanover County records, as of October 20, 2026

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	Individual Name on File
Mailing Address	1257 LT CONGLETON RD, WILMINGTON, NC 28409-4549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 23, 2020	Warranty Deed, Subdivision Related Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Deed Document Number	202055528
Deed Book / Page	6394 / 562
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Recording Date	Jun 8, 2026
Property Address	1257 LT CONGLETON RD, WILMINGTON, NC 28409-4549
Document Number	00685400552
Book / Page	6854 / 552
Instrument Date	Jun 1, 2026
Instrument	202615474
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1257 LT CONGLETON RD, WILMINGTON, NC 28409-4549

Mortgage

Document Number	0000015474,
Date	Jun 8, 2026
Book Page	6854/552
Instrument	202615474

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2056

Interest

Rate	6.3%
Max Rate	-1%

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Dec 23, 2020
Property Address	1257 LT CONGLETON RD, WILMINGTON, NC 28409-4549
Document Number	0063940562
Book / Page	006394 / 000562
Instrument Date	Dec 16, 2020
Instrument	55528
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 26, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$864.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1257 LT CONGLETON RD WILMINGTON NC 284094549, WILMINGTON, NC 28409-4549

Mortgage

Document Number	63940565
Date	Dec 23, 2020
Book Page	006394/000565
Instrument	55529

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1257 Lt Congleton Rd was $2,693, up 10.6% from the year before.

Source: New Hanover County assessment roll, as of October 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$698,300 (-) Land $113,500 Building $584,800	$698,300 (-) Land $113,500 Building $584,800
2025	$2,693.00 (+10.64%)	$698,300 Land $113,500 Building $584,800	$698,300 Land $113,500 Building $584,800
2024	$2,434.00 (+0.16%)
2023	$2,430.00 (-0.94%)	$456,200 Land $62,700 Building $393,500	$456,200 Land $62,700 Building $393,500
2022	$2,453.00

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

Flood

FEMA maps place 1257 Lt Congleton Rd in Zone X, an area of minimal flood risk, though there have been 34 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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 246 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	246 in force
Nearby Flood Claims	34 (1996–2024)
Claims Outside the SFHA	3 of 34
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 17 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 5 claims Hurricane Fran, Sep 1996 · 6 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 1257 Lt Congleton Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.03% 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	CFPUA-WILMINGTON serves 212,227 people · EPA ID NC0465010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2026–2028) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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