1304 Lt Congleton Rd, Wilmington, NC 28409 Property Records

New Hanover County property record for 1304 Lt Congleton Rd, Wilmington, NC 28409

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,522 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Feb 2024)
Tax Bill	$2,165 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R07900-003-566-000`

Property Details

APN / Parcel Number

Primary APN	`R07900-003-566-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,522 sqft Living Area
1st Floor Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,712 sqft (0.2 acres)
Terrain	Low
Garage Area	420 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	1304 LT CONGLETON RD
City	WILMINGTON
State	NC
Zip	28409-0150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	LOT 98 PH 1 SEC 1 CONGLETON
Legal Subdivision	CONGLETON
Legal Block	3
Legal Lot Number	98
Jurisdiction	NEW HANOVER NC
Township / Civil Division	FEDERAL POINT
Census Block Group	1
Census Block	1032
Census Tract	12109

Owner

1304 Lt Congleton Rd is owned and occupied by two individuals who bought it in February 2024.

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	2 Individual Names on File
Mailing Address	1304 LT CONGLETON RD, WILMINGTON, NC 28409-0150
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Warranty Deed, Transfer · Conventional Mortgage RADIUS FINANCIAL GROUP INC
Dec 21, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage ON Q FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2024 · Amount on File
Deed Sale	Feb 8, 2024 · Amount on File
Deed Document Number	20242846
Deed Book / Page	6688 / 387
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Feb 8, 2024
Property Address	1304 LT CONGLETON RD, WILMINGTON, NC 28409-0150
Document Number	00668800387
Book / Page	6688 / 387
Map Reference	MB 67 PGS 233
Instrument Date	Feb 2, 2024
Instrument	2024002846
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 N LIMEHURST RDG, WILMINGTON, NC 28411-4201

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1304 LT CONGLETON RD, WILMINGTON, NC 28409-0150

Mortgage

Document Number	2024002847
Date	Feb 8, 2024
Instrument	2024002847

Lender

Name	RADIUS FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	00668800391
Date	Feb 8, 2024
Book Page	6688/391
Instrument	2024002847

Lender

Name	RADIUS FINANCIAL GROUP INC
Type	Mortgage Company
Address	600 LONGWATER DR STE 107, NORWELL, MA 02061

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Dec 21, 2020
Property Address	1304 LT CONGLETON RD, WILMINGTON, NC 28409-0150
Document Number	0063930940
Book / Page	006393 / 000940
Instrument Date	Dec 1, 2020
Instrument	55135
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 18, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$737.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1304 LT CONGLETON RD WILMINGTON NC 284090150, WILMINGTON, NC 28409-0150

Mortgage

Document Number	63930943
Date	Dec 21, 2020
Book Page	006393/000943
Instrument	55136

Lender

Name	ON Q FIN'L
Type	Funding / Finance Company
Address	TEMPE, AZ 85281

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1304 Lt Congleton Rd was $2,165, up 13.7% 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		$558,800 (-) Land $109,400 Building $449,400	$558,800 (-) Land $109,400 Building $449,400
2025	$2,165.00 (+13.71%)	$558,800 Land $109,400 Building $449,400	$558,800 Land $109,400 Building $449,400
2024	$1,904.00 (+0.21%)
2023	$1,900.00 (-0.94%)	$354,800 Land $60,200 Building $294,600	$354,800 Land $60,200 Building $294,600
2022	$1,918.00

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

Flood

FEMA maps place 1304 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 1304 Lt Congleton Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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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