5501 Bernhardt Ct, Wilmington, NC 28409 Property Records

New Hanover County property record for 5501 Bernhardt Ct, Wilmington, NC 28409

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 1996
Lot Size	0.398 acres (17,337 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Feb 1996)
Tax Bill	$1,707 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R07119-013-014-000`

Property Details

APN / Parcel Number

Primary APN	`R07119-013-014-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,682 sqft Living Area
1st Floor Area	1,682 sqft
Basement Area	1,682 sqft
Finished Basement	1,682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	17,337 sqft (0.398 acres)
Terrain	Low
Garage Area	400 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	122 sqft
Deck Area	348 sqft
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	5501 BERNHARDT CT
City	WILMINGTON
State	NC
Zip	28409-3962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	LOT 33 SECTION 1 BEACON WOODS
Legal Subdivision	BEACON WOODS REV SEC 1B
Legal Block	13
Legal Lot Number	33
Jurisdiction	NEW HANOVER NC
Township / Civil Division	MASONBORO
Census Block Group	3
Census Block	3002
Census Tract	12103

Owner

5501 Bernhardt Ct is owned and occupied by an individual who bought it in February 1996.

Source: New Hanover County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	5501 BERNHARDT CT, WILMINGTON, NC 28409-3962
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
May 18, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 30, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN SEC MTG
May 23, 2019	Loan Modification, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 1996 · Amount on File
Deed Sale	Feb 19, 1996 · Amount on File
Prior Sale	Feb 19, 1996 · Amount on File
Deed Book / Page	1989 / 774
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	5501 BERNHARDT CT, WILMINGTON, NC 28409-3962
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00656600019
Date	May 18, 2022
Book Page	6566/19
Instrument	2022019045

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	WILMINGTON, NC 28408

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Oct 30, 2020
Property Address	5501 BERNHARDT CT, WILMINGTON, NC 28409-3962
Document Number	0063731346
Book / Page	006373 / 001346
Instrument Date	Oct 26, 2020
Instrument	45952
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5501 BERNHARDT CT WILMINGTON NC 284093962, WILMINGTON, NC 28409-3962

Mortgage

Document Number	63731349
Date	Oct 30, 2020
Book Page	006373/001349
Instrument	45953

Lender

Name	AMERICAN SEC MTG
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2050

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NEW HANOVER NC
Property Address	5501 BERNHARDT CT, WILMINGTON, NC 28409-3962
Document Number	0062181439
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5501 BERNHARDT CT WILMINGTON NC 284093962, WILMINGTON, NC 28409-3962

Mortgage

Document Number	0062181439
Date	May 29, 2019
Book Page	006218/001439
Instrument	15788

Lender

Name	BRANCH BK&TR
Type	Bank
Address	GREENVILLE, SC 29607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 28, 2024

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 5501 Bernhardt Ct was $1,707, up 12.7% from the year before.

Source: New Hanover County assessment roll, as of October 10, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	New Hanover County
Unified School District	New Hanover County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$450,700 (+4.43%) Land $128,200 Building $322,500	$450,700 (+4.43%) Land $128,200 Building $322,500
2025	$1,707.00 (+12.67%)	$431,600 Land $128,200 Building $303,400	$431,600 Land $128,200 Building $303,400
2024	$1,515.00 (+0.4%)
2023	$1,509.00 (-0.92%)	$275,900 Land $80,600 Building $195,300	$275,900 Land $80,600 Building $195,300
2022	$1,523.00

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

Flood

FEMA maps place 5501 Bernhardt Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2018.

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 176 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	176 in force
Nearby Flood Claims	7 (2018–2025)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 6 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

Wildfire risk around 5501 Bernhardt Ct 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 96% of the US · lower than 97.9% 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Metronet.

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