554 Steele Loop, Wilmington, NC 28411 Property Records

New Hanover County property record for 554 Steele Loop, Wilmington, NC 28411

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,348 sqft · built 2016
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,000 (Jul 2021)
Tax Bill	$1,781 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R04400-001-665-000`

Property Details

APN / Parcel Number

Primary APN	`R04400-001-665-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,348 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,004 sqft
Finished Basement	1,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	7,754 sqft (0.178 acres)
Terrain	Low
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	554 STEELE LOOP
City	WILMINGTON
State	NC
Zip	28411-6207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10,RESID
Legal Description	LOT 70 THE RESERVE @ WESTBAY ESTATES PH 1B
Legal Subdivision	COASTAL CAROLINA DEVELOPERS
Legal Block	1
Legal Lot Number	70
Jurisdiction	NEW HANOVER NC
Township / Civil Division	HARNETT
Census Block Group	2
Census Block	2020
Census Tract	11612

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	2 Individual Names on Record
Mailing Address	554 STEELE LOOP, WILMINGTON, NC 28411-6207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK & TRUST CO
Jul 19, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED BANK
Feb 14, 2017	Grant Deed, Subdivision Related Transfer ON Q FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Feb 14, 2017 · Amount on Record
Deed Document Number	202135424
Deed Book / Page	6471 / 2794
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	554 STEELE LOOP, WILMINGTON, NC 28411-6207
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 STEELE LOOP, WILMINGTON, NC 28411-6207

Mortgage

Document Number	00675901692
Date	Mar 3, 2025
Book Page	6759/1692
Instrument	2025004907

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank
Address	6752 ROCK SPRING RD STE 100, WILMINGTON, NC 28405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Jul 19, 2021
Property Address	554 STEELE LOOP, WILMINGTON, NC 28411-6207
Document Number	00647102794
Book / Page	6471 / 2794
Map Reference	MB 61 PG 174&175
Instrument Date	Jun 24, 2021
Instrument	2021035424
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$674.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2025 ROCKSTONE PL, RICHMOND, VA 23238-3744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 STEELE LOOP, WILMINGTON, NC 28411-6207

Mortgage

Document Number	2021035425
Date	Jul 19, 2021
Instrument	2021035425

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Feb 14, 2017
Property Address	554 STEELE LOOP, WILMINGTON, NC 28411-6207
Document Number	0060362332
Book / Page	006036 / 002332
Instrument Date	Feb 13, 2017
Instrument	4473
Transaction Type	Subdivision Related Transfer
Record Updated	May 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 STEELE LOOP WILMINGTON NC 284116207, WILMINGTON, NC 28411-6207

Mortgage

Document Number	60362334
Date	Feb 14, 2017
Book Page	006036/002334
Instrument	4474

Lender

Name	ON Q FIN'L
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85251

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2047

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
Unified School District	New Hanover County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$532,500 (+16.44%) Land $107,200 Building $425,300	$532,500 (+16.44%) Land $107,200 Building $425,300
2025	$1,781.00 (+18.81%)	$457,300 (+64.91%) Land $107,200 Building $350,100	$457,300 (+64.91%) Land $107,200 Building $350,100
2024	$1,499.00 (+0.27%)
2023	$1,495.00 (-0.93%)	$277,300 Land $70,300 Building $207,000	$277,300 Land $70,300 Building $207,000
2022	$1,509.00

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
Flood Insurance Cost	Premium on Record median of 195 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	195 in force
Nearby Flood Claims	16 (2018)
Claims Outside the SFHA	16 of 16
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 16 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 396 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

May also be available: Verizon.

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