New Hanover County property record for 539 Commons Way, Wilmington, NC 28409
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,907 sqft · built 1993 |
| Lot Size | 0.323 acres (14,070 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Nov 2009) |
| Tax Bill | $2,601 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R06620-016-002-000 |
| Primary APN | R06620-016-002-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,907 sqft Living Area |
| 1st Floor Area | 1,673 sqft |
| Basement Area | 1,673 sqft |
| Finished Basement | 1,673 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Material | Composition Shingle |
| Lot Area | 14,070 sqft (0.323 acres) |
| Terrain | Low |
| Garage Area | 439 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 539 COMMONS WAY |
|---|---|
| City | WILMINGTON |
| State | NC |
| Zip | 28409-9190 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15,RESID |
| Legal Description | LT 47 THE COMMONS SEC 1 |
| Legal Subdivision | COMMONS |
| Legal Block | 16 |
| Legal Lot Number | 47 |
| Jurisdiction | NEW HANOVER NC |
| Township / Civil Division | WILMINGTON |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 12009 |
539 Commons Way is owned and occupied by an individual who bought it in November 2009.
Source: New Hanover County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 539 COMMONS WAY, WILMINGTON, NC 28409-9190 |
| 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.
| Date | Document |
|---|---|
| Jan 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG |
| Apr 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS LNDG |
| Apr 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2009 · Amount on File |
| Deed Sale | Nov 20, 2009 · Amount on File |
| Prior Sale | Jul 17, 2009 · Amount on File |
| Deed Document Number | 200939567 |
| Deed Book / Page | 5451 / 2334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 539 COMMONS WAY, WILMINGTON, NC 28409-9190 |
| Document Number | 0062781635 |
| Instrument Date | Jan 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 539 COMMONS WAY WILMINGTON NC 284099190, WILMINGTON, NC 28409-9190 |
| Document Number | 0062781635 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 006278/001635 |
| Instrument | 2043 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 20, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 539 COMMONS WAY, WILMINGTON, NC 28409-9190 |
| Document Number | 0061341017 |
| Instrument Date | Apr 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Title Company | FIRST SOURCE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 539 COMMONS WAY WILMINGTON NC 284099190, WILMINGTON, NC 28409-9190 |
| Document Number | 0061341017 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 006134/001017 |
| Instrument | 11281 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 539 COMMONS WAY, WILMINGTON, NC 28409-9190 |
| Document Number | 0061341026 |
| Instrument Date | Apr 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 539 COMMONS WAY WILMINGTON NC 284099190, WILMINGTON, NC 28409-9190 |
| Document Number | 0061341026 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 006134/001026 |
| Instrument | 11281 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2048 |
The 2025 property tax bill for 539 Commons Way was $2,601, up 10.6% from the year before.
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $442,000 (-) Land $122,500 Building $319,500 | $442,000 (-) Land $122,500 Building $319,500 | |
| 2025 | $2,601.00 (+10.63%) | $442,000 Land $122,500 Building $319,500 | $442,000 Land $122,500 Building $319,500 |
| 2024 | $2,351.00 (+2.93%) | ||
| 2023 | $2,284.00 (-0.57%) | $270,300 Land $78,600 Building $191,700 | $270,300 Land $78,600 Building $191,700 |
| 2022 | $2,297.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 Commons Way in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1996.
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 File median of 112 individual policies |
| Nearby Flood Policies | 154 units insured incl. 42 condo units |
| Nearby Flood Claims | 28 (1996–2018) |
| Claims Outside the SFHA | 4 of 28 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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 539 Commons Way is low, with less than 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 99.1% of the US · lower than 99.5% 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.
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 349 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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