411 Chadwick Ln, Efland, NC 27243 Property Records

Orange County property record for 411 Chadwick Ln, Efland, NC 27243

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,454 sqft · built 2006
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$304,000 (Oct 2018)
Tax Bill	$3,946 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`9844-69-7539`

Property Details

APN / Parcel Number

Primary APN	`9844-69-7539`
Alternative APN	`315190`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,454 sqft Living Area
Gross Area	5,253 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Porch
Porch Area	141 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	411 CHADWICK LN
City	EFLAND
State	NC
Zip	27243-9562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	53 PH 1-2 ASHWICK P91/124
Legal Subdivision	ASHWICK
Legal Phase	1
Jurisdiction	ORANGE NC
Township / Civil Division	CHEEKS
Census Block Group	1
Census Block	1006
Census Tract	11103

Owner

411 Chadwick Ln is owned and occupied by two individuals who bought it in October 2018.

Source: Orange County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 29, 2022	Deed of Trust, Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 12, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 11, 2019	Deed of Trust, Mortgage SEBONIC FIN'L
Oct 30, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2018 · Amount on File
Deed Sale	Oct 30, 2018 · Amount on File
Prior Sale	Oct 25, 2011 · Amount on File
Deed Document Number	2018206400
Deed Book / Page	6538 / 226
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	CORPORATE SETMNT SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 CHADWICK LN, EFLAND, NC 27243-9562

Mortgage

Document Number	0067901300
Date	Jul 29, 2022
Book Page	6790/1300
Instrument	30076513

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Amount	Amount on Record
Term	264 Months
Due	Jul 20, 2044

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	67382090
Date	Aug 10, 2021
Book Page	6738/2090
Instrument	30054437

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6434430
Date	Mar 12, 2018
Book Page	6434/430
Instrument	20180312000042950

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6434446
Date	Mar 12, 2018
Book Page	6434/446
Instrument	20180312000042960

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HILLSBOROUGH, NC 27278

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6690361
Date	Nov 16, 2020
Book Page	6690/361
Instrument	30034237

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Document Number	6631542
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	411 CHADWICK LN EFLAND NC 272439562, EFLAND, NC 27243-9562

Mortgage

Document Number	6631542
Date	Oct 17, 2019
Book Page	006631/000542
Instrument	30009401

Lender

Name	SEBONIC FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE NC
Recording Date	Oct 30, 2018
Property Address	411 CHADWICK LN, EFLAND, NC 27243-9562
Document Number	6538226
Book / Page	6538 / 226
Map Reference	MB 91 PG 124
Instrument Date	Oct 30, 2018
Instrument	20181030000206400
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$608.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 CHADWICK LN, EFLAND, NC 27243-9562

Mortgage

Document Number	20181030000206410
Date	Oct 30, 2018
Instrument	20181030000206410

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 411 Chadwick Ln was $3,946, up 5.7% from the year before.

Source: Orange County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Orange County
Unified School District	Orange County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,946.00 (+5.73%)	$497,800 (-) Land $120,000 Building $377,800	$497,800 (-) Land $120,000 Building $377,800
2025	$3,732.00	$497,800 Land $120,000 Building $377,800	$497,800 Land $120,000 Building $377,800
2023	$3,023.00	$307,200 Land $55,000 Building $252,200	$307,200 Land $55,000 Building $252,200

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

Flood

FEMA maps place 411 Chadwick Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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 411 Chadwick Ln is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ORANGE-ALAMANCE WATER SYSTEM private · serves 9,223 people · EPA ID NC0368020
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
Treatment and Procedure	Organic carbon removal Apr 2026
Monitoring and Reporting	44 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed.

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