424 S 7th St, Wilmington, NC 28401 Property Records

New Hanover County property record for 424 S 7th St, Wilmington, NC 28401

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 605 sqft · built 1903
Lot Size	0.038 acres (1,655 sqft)
Owner	Individual Name on Record
Last Sale	$132,500 (Feb 2019)
Tax Bill	$1,352 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R05405-028-019-000`

Property Details

APN / Parcel Number

Primary APN	`R05405-028-019-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	605 sqft Living Area
1st Floor Area	605 sqft
Basement Area	605 sqft
Finished Basement	605 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	1,655 sqft (0.038 acres)
Lot Dimensions	55 ft deep x 30 ft wide
Terrain	Low
Porch	Slab
Porch Area	131 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	424 S 7TH ST
City	WILMINGTON
State	NC
Zip	28401-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3,RESIDE
Legal Description	PT LTS 5/6 BLK 105 WILM
Legal Subdivision	CITY OF WILMINGTON
Legal Block	105
Legal Lot Number	5
Jurisdiction	NEW HANOVER NC
Township / Civil Division	WILMINGTON
Census Block Group	2
Census Block	2013
Census Tract	11200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Wilmington Historic District (Boundary Increase) listed 2003 · 779 contributing resources · NRIS 03000344

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	424 S 7TH ST, WILMINGTON, NC 28401-5214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLANET HM LNDG
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG
Feb 21, 2019	Warranty Deed, Transfer · FHA Mortgage HIGHLAND RESID'L MTG LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2019 · Amount on Record
Deed Sale	Feb 21, 2019 · Amount on Record
Prior Sale	Feb 8, 2016 · Amount on Record
Deed Document Number	20194764
Deed Book / Page	6196 / 1452
Prior Transfer Date	Jul 1, 1960
Prior Transfer Doc	0671000238
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	424 S 7TH ST, WILMINGTON, NC 28401-5214
Document Number	0063892412
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 S 7TH ST WILMINGTON NC 284015214, WILMINGTON, NC 28401-5214

Mortgage

Document Number	0063892412
Date	Dec 14, 2020
Book Page	006389/002412
Instrument	53610

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	424 S 7TH ST, WILMINGTON, NC 28401-5214
Document Number	0062680745
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 S 7TH ST WILMINGTON NC 284015214, WILMINGTON, NC 28401-5214

Mortgage

Document Number	0062680745
Date	Dec 6, 2019
Book Page	006268/000745
Instrument	40019

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Feb 21, 2019
Property Address	424 S 7TH ST, WILMINGTON, NC 28401-5214
Document Number	0061961452
Book / Page	006196 / 001452
Instrument Date	Feb 21, 2019
Instrument	4764
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	424 S 7TH ST WILMINGTON NC 284015214, WILMINGTON, NC 28401-5214

Mortgage

Document Number	61961455
Date	Feb 21, 2019
Book Page	006196/001455
Instrument	4765

Lender

Name	HIGHLAND RESID'L MTG LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

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		$229,800 (-) Land $73,500 Building $156,300	$229,800 (-) Land $73,500 Building $156,300
2025	$1,352.00 (+23.36%)	$229,800 (+82.38%) Land $73,500 Building $156,300	$229,800 (+82.38%) Land $73,500 Building $156,300
2024	$1,096.00 (+3.01%)
2023	$1,064.00 (-0.65%)	$126,000 Land $57,200 Building $68,800	$126,000 Land $57,200 Building $68,800
2022	$1,071.00

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Sep 1996 · Hurricane Fran

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 80% of the US · lower than 76% 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 657 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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