243 Spruce Dr, Wilmington, NC 28403 Property Records

New Hanover County property record for 243 Spruce Dr, Wilmington, NC 28403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,320 sqft · built 1957
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Apr 2020)
Tax Bill	$2,109 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R05617-006-046-000`

Property Details

APN / Parcel Number

Primary APN	`R05617-006-046-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,120 sqft
Finished Basement	1,120 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Raised Ranch
Exterior Material	Combination
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Terrain	Low
Garage Type	Mixed
Garage Area	672 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	384 sqft
Porch	Slab
Porch Area	52 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	243 SPRUCE DR
City	WILMINGTON
State	NC
Zip	28403-4655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	LOT 22, S 1/3 23 BLK A SEC 6 PINEY ACRES
Legal Subdivision	PINEY ACRES
Legal Block	A
Legal Lot Number	22
Jurisdiction	NEW HANOVER NC
Township / Civil Division	WILMINGTON
Census Block Group	1
Census Block	1010
Census Tract	11905

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	243 SPRUCE DR, WILMINGTON, NC 28403-4655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2020 · Amount on Record
Deed Sale	Apr 28, 2020 · Amount on Record
Prior Sale	Jan 1, 2001
Deed Document Number	202015161
Deed Book / Page	6306 / 626
Prior Transfer Date	Feb 23, 2010
Prior Transfer Doc	00552400171
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Apr 28, 2020
Property Address	243 SPRUCE DR, WILMINGTON, NC 28403-4655
Document Number	0063060626
Book / Page	006306 / 000626
Instrument Date	Apr 23, 2020
Instrument	15161
Transaction Type	Transfer
Record Updated	May 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 SPRUCE DR WILMINGTON NC 284034655, WILMINGTON, NC 28403-4655

Mortgage

Document Number	63060634
Date	Apr 28, 2020
Book Page	006306/000634
Instrument	15162

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	Apr 27, 2050

Tax Assessment & Valuation

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		$358,500 (-) Land $159,500 Building $199,000	$358,500 (-) Land $159,500 Building $199,000
2025	$2,109.00 (+8.21%)	$358,500 (+59.97%) Land $159,500 Building $199,000	$358,500 (+59.97%) Land $159,500 Building $199,000
2024	$1,949.00 (+2.96%)
2023	$1,893.00 (-0.58%)	$224,100 Land $100,400 Building $123,700	$224,100 Land $100,400 Building $123,700
2022	$1,904.00

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 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (2018–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight

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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35