20 Charter Dr, Wilmington, NC 28403 Property Records

New Hanover County property record for 20 Charter Dr, Wilmington, NC 28403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,689 sqft · built 1979
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Trust Names on File
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jul 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R05013-008-024-000`

Property Details

APN / Parcel Number

Primary APN	`R05013-008-024-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,689 sqft Living Area
1st Floor Area	1,689 sqft
Basement Area	1,689 sqft
Finished Basement	1,689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Raised Ranch
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Low
Garage Area	480 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	256 sqft
Patio Area	192 sqft
Utility Building	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	20 CHARTER DR
City	WILMINGTON
State	NC
Zip	28403-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	43/44 HILLSDALE HARNETT
Legal Subdivision	HILLSDALE SEC 1
Legal Block	8
Legal Lot Number	24
Jurisdiction	NEW HANOVER NC
Township / Civil Division	WILMINGTON
Census Block Group	3
Census Block	3000
Census Tract	11501

Owner

20 Charter Dr is held in a trust since July 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	20 CHARTER DR, WILMINGTON, NC 28403-1806
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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
Aug 3, 2026	Correction Deed NONE LISTED ON DOCUMENT
Jul 7, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Oct 31, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 1978
Deed Sale	Aug 1, 1978
Deed Book / Page	1136 / 1652
Last Transfer Date	Jul 7, 2026
Transfer Doc	0000018592
Record Updated	Oct 29, 2026

August 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Aug 3, 2026
Property Address	20 CHARTER DR, WILMINGTON, NC 28403-1806
Document Number	0000021488
Book / Page	6866 / 1664
Instrument Date	Aug 3, 2026
Instrument	202621488
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	20 CHARTER DR, WILMINGTON, NC 28403-1806

July 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Jul 7, 2026
Property Address	20 CHARTER DR, WILMINGTON, NC 28403-1806
Document Number	0000018592
Book / Page	6860 / 2509
Instrument Date	Jul 7, 2026
Instrument	202618592
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	20 CHARTER DR, WILMINGTON, NC 28403-1806

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	20 CHARTER DR, WILMINGTON, NC 28403-1806
Transaction Type	Mortgage
Record Updated	Nov 10, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHARTER DR, WILMINGTON, NC 28403-1806

Mortgage

Document Number	00667200598
Date	Oct 31, 2023
Book Page	6672/598
Instrument	2023027495

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20 Charter Dr was $2,382, up 14.6% 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
Municipality	Wilmington City
Unified School District	New Hanover County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$404,800 (-) Land $105,500 Building $299,300	$404,800 (-) Land $105,500 Building $299,300
2025	$2,382.00 (+14.63%)	$404,800 Land $105,500 Building $299,300	$404,800 Land $105,500 Building $299,300
2024	$2,078.00 (+2.97%)
2023	$2,018.00 (-0.59%)	$238,900 Land $69,800 Building $169,100	$238,900 Land $69,800 Building $169,100
2022	$2,030.00

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

Flood

FEMA maps place 20 Charter Dr in Zone X, an area of minimal flood risk.

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 11 policies
Nearby Flood Policies	11 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

Wildfire risk around 20 Charter 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 99.1% of the US · lower than 99.5% of North Carolina
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	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 126 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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