174 Ginger Rd, Wilmington, NC 28405 Property Records

New Hanover County property record for 174 Ginger Rd, Wilmington, NC 28405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,182 sqft · built 1978
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,500 (Jan 2019)
Tax Bill	$2,893 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R05014-003-022-000`

Property Details

APN / Parcel Number

Primary APN	`R05014-003-022-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,182 sqft Living Area
Gross Area	1,662 sqft
1st Floor Area	1,662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Raised Ranch
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Terrain	Low
Garage Type	Carport
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Patio Area	140 sqft
Utility Building	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	174 GINGER RD
City	WILMINGTON
State	NC
Zip	28405-3840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESIDENTIAL DISTRICT
Legal Description	LOT 346 SEC 10-A LONG LEAF ACRES
Legal Subdivision	LONGLEAF ACRES
Legal Block	3
Legal Lot Number	346
Jurisdiction	NEW HANOVER NC
Township / Civil Division	WILMINGTON
Census Block Group	1
Census Block	1008
Census Tract	11701

Owner

Source: New Hanover County records, as of November 3, 2025

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	174 GINGER RD, WILMINGTON, NC 28405-3840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Sep 26, 2019	Deed of Trust, Mortgage · Conventional with PMI ON Q FIN'L
Jan 18, 2019	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2019 · Amount on Record
Deed Sale	Jan 18, 2019 · Amount on Record
Deed Document Number	580304
Deed Book / Page	6190 / 2014
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	174 GINGER RD, WILMINGTON, NC 28405-3840
Transaction Type	Mortgage
Record Updated	Jan 8, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 GINGER RD, WILMINGTON, NC 28405-3840

Mortgage

Document Number	00668102367
Date	Dec 28, 2023
Book Page	6681/2367
Instrument	2023032185

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	174 GINGER RD, WILMINGTON, NC 28405-3840
Document Number	0062510001
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	174 GINGER RD WILMINGTON NC 284053840, WILMINGTON, NC 28405-3840

Mortgage

Document Number	0062510001
Date	Oct 1, 2019
Book Page	006251/000001
Instrument	31752

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Jan 18, 2019
Property Address	174 GINGER RD, WILMINGTON, NC 28405-3840
Document Number	0061902014
Book / Page	006190 / 002014
Instrument Date	Jan 11, 2019
Instrument	1687
Transaction Type	Transfer
Record Updated	Feb 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	174 GINGER RD WILMINGTON NC 284053840, WILMINGTON, NC 28405-3840

Mortgage

Document Number	61902017
Date	Jan 18, 2019
Book Page	006190/002017
Instrument	1688

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2049

Tax Assessment & Valuation

Source: New Hanover County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,893.00 (+13.67%)	$491,700 (+68.05%) Land $199,000 Building $292,700	$491,700 (+68.05%) Land $199,000 Building $292,700
2024	$2,545.00 (+2.95%)
2023	$2,472.00 (-0.6%)	$292,600 Land $116,300 Building $176,300	$292,600 Land $116,300 Building $176,300
2022	$2,487.00

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 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 Record median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	7 (1999–2019)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Sep 2019 · Hurricane Dorian
Claims by Event	Hurricane Florence, Sep 2018 · 3 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	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	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	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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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