522 McRae St, Wilmington, NC 28401 Property Records

New Hanover County property record for 522 McRae St, Wilmington, NC 28401

Property Summary

Property Type	Patio Home
Details	2 bd · 1 ba · 918 sqft · built 2023
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Nov 2023)
Tax Bill	$1,636 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R04813-023-001-000`

Property Details

APN / Parcel Number

Primary APN	`R04813-023-001-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	918 sqft Living Area
1st Floor Area	918 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Patio Home
Exterior Material	Wood
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	52 ft deep x 43 ft wide
Terrain	Low
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	522 MCRAE ST
City	WILMINGTON
State	NC
Zip	28401-3646
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Patio Home
Local Zoning Code	R-3,RESIDE
Legal Description	PT LOT 1 BLK 239 WILM
Legal Subdivision	OFFICIAL PLAN OF WILMINGTON
Legal Block	239
Legal Lot Number	1
Jurisdiction	NEW HANOVER NC
Township / Civil Division	WILMINGTON
Census Block Group	1
Census Block	1033
Census Tract	10100

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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	522 MCRAE ST, WILMINGTON, NC 28401-3646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Nov 16, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2023 · Amount on Record
Deed Sale	Nov 16, 2023 · Amount on Record
Prior Sale	Apr 11, 2023 · Amount on Record
Deed Document Number	202328887
Deed Book / Page	6674 / 2777
Prior Transfer Date	Sep 23, 2011
Prior Transfer Doc	00558702131
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	522 MCRAE ST, WILMINGTON, NC 28401-3646
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 MCRAE ST, WILMINGTON, NC 28401-3646

Mortgage

Document Number	00683202306
Date	Mar 3, 2026
Book Page	6832/2306
Instrument	2026005496

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	1950 MARLTON PIKE E STE 300, CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Nov 16, 2023
Property Address	522 MCRAE ST, WILMINGTON, NC 28401-3646
Document Number	00667402777
Book / Page	6674 / 2777
Instrument Date	Nov 9, 2023
Instrument	2023028887
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 LYNNE DR, BEREA, KY 40403-1267

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	522 MCRAE ST, WILMINGTON, NC 28401-3646

Mortgage

Document Number	2023028888
Date	Nov 16, 2023
Instrument	2023028888

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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		$278,000 (-) Land $82,100 Building $195,900	$278,000 (-) Land $82,100 Building $195,900
2025	$1,636.00 (+14.81%)	$278,000 (+820.53%) Land $82,100 Building $195,900	$278,000 (+820.53%) Land $82,100 Building $195,900
2024	$1,425.00 (+458.82%)
2023	$255.00 (-0.39%)	$30,200 Land $29,900 Building $300	$30,200 Land $29,900 Building $300
2022	$256.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	6 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 98% of the US · lower than 99% 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 584 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

May also be available: T-Mobile.

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