New Hanover County property record for 415 Clay St, Wilmington, NC 28405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,904 sqft · built 1938 |
| Lot Size | 0.278 acres (12,110 sqft) |
| Owner | Individual Name on File |
| Last Sale | $203,000 (Mar 2021) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R04913-003-013-000 |
| Primary APN | R04913-003-013-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,904 sqft Living Area |
| 1st Floor Area | 2,074 sqft |
| Basement Area | 1,660 sqft |
| Finished Basement | 1,660 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,110 sqft (0.278 acres) |
| Lot Dimensions | 93 ft deep x 132 ft wide |
| Terrain | Low |
| Garage Area | 702 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 396 sqft |
| Deck Area | 36 sqft |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 415 CLAY ST |
|---|---|
| City | WILMINGTON |
| State | NC |
| Zip | 28405-3125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5,RESIDE |
| Legal Description | LOTS 6-9 BLK 10 FOX DIV |
| Legal Subdivision | FOX DIV |
| Legal Block | 10 |
| Legal Lot Number | 6-9 |
| Jurisdiction | NEW HANOVER NC |
| Township / Civil Division | WILMINGTON |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 10300 |
415 Clay St is owned by an individual who bought it in March 2021.
Source: New Hanover County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1810 MULBERRY ST, HARRISBURG, PA 17104-1247 |
| 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.
| Date | Document |
|---|---|
| Nov 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 26, 2018 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2021 · Amount on File |
| Deed Sale | Mar 4, 2021 · Amount on File |
| Prior Sale | Jan 1, 2001 |
| Deed Document Number | 202110760 |
| Deed Book / Page | 6419 / 2792 |
| Prior Transfer Date | Aug 16, 2006 |
| Prior Transfer Doc | 0000046749 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 415 CLAY ST, WILMINGTON, NC 28405-3125 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 00651002399 |
|---|---|
| Date | Nov 9, 2021 |
| Book Page | 6510/2399 |
| Instrument | 2021053898 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Dec 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Recording Date | Mar 4, 2021 |
| Property Address | 415 CLAY ST, WILMINGTON, NC 28405-3125 |
| Document Number | 00641902792 |
| Book / Page | 6419 / 2792 |
| Instrument Date | Mar 2, 2020 |
| Instrument | 2021010760 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $406.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1810 MULBERRY ST, HARRISBURG, PA 17104-1247 |
| Document Number | 2021010761 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 2021010761 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 415 CLAY ST, WILMINGTON, NC 28405-3125 |
| Document Number | 0061760389 |
| Instrument Date | Oct 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 415 CLAY ST WILMINGTON NC 284053125, WILMINGTON, NC 28405-3125 |
| Document Number | 0061760389 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 006176/000389 |
| Instrument | 32825 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2048 |
Source: New Hanover County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | New Hanover County |
| Municipality | Wilmington City |
| Unified School District | New Hanover County Schools (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $192,400 (-) Land $76,800 Building $115,600 | $192,400 (-) Land $76,800 Building $115,600 |
| 2025 | $192,400 Land $76,800 Building $115,600 | $192,400 Land $76,800 Building $115,600 |
| 2023 | $137,600 Land $59,200 Building $78,400 | $137,600 Land $59,200 Building $78,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Clay St 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 |
| Nearby Flood Policies | 3 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 risk around 415 Clay St 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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