New Hanover County property record for 644 Windgate Dr, Wilmington, NC 28412
| Property Type | Patio Home |
|---|---|
| Details | 3 bd · 2 ba · 1,488 sqft · built 2004 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | Individual Name on File |
| Last Sale | $167,000 (Oct 2014) |
| Tax Bill | $1,421 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R07900-001-391-000 |
| Primary APN | R07900-001-391-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Basement Area | 1,488 sqft |
| Finished Basement | 1,488 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Patio Home |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Material | Composition Shingle |
| Lot Area | 8,407 sqft (0.193 acres) |
| Terrain | Low |
| Garage Area | 420 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 80 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 644 WINDGATE DR |
|---|---|
| City | WILMINGTON |
| State | NC |
| Zip | 28412-2681 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Patio Home |
| Local Zoning Code | R-10,RESID |
| Legal Description | LOT 36 SEC 7 KIRKWOOD AT ARRONDALE |
| Legal Subdivision | KIRKWOOD SEC 7 @ ARRONDALE |
| Legal Block | 1 |
| Legal Lot Number | 36 |
| Jurisdiction | NEW HANOVER NC |
| Township / Civil Division | FEDERAL POINT |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 12106 |
644 Windgate Dr, a patio home, is owned and occupied by an individual who acquired it in September 2018.
Source: New Hanover County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 644 WINDGATE DR, WILMINGTON, NC 28412-2681 |
| 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 |
|---|---|
| Mar 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC |
| Feb 20, 2024 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Feb 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP |
| Nov 26, 2018 | Quit Claim Deed, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2014 · Amount on File |
| Deed Sale | Oct 30, 2014 · Amount on File |
| Prior Sale | Dec 17, 2004 · Amount on File |
| Deed Document Number | 201429196 |
| Deed Book / Page | 5848 / 1393 |
| Last Transfer Date | Sep 6, 2018 |
| Transfer Doc | 00618002345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 644 WINDGATE DR, WILMINGTON, NC 28412-2681 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 00641802686 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 6418/2686 |
| Instrument | 2021010276 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 644 WINDGATE DR, WILMINGTON, NC 28412-2681 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 644 WINDGATE DR, WILMINGTON, NC 28412-2681 |
| Document Number | 00669000194 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 6690/194 |
| Instrument | 2024003801 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PO BOX 2026, FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2039 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 644 WINDGATE DR, WILMINGTON, NC 28412-2681 |
| Document Number | 0062920946 |
| Instrument Date | Feb 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2020 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 644 WINDGATE DR WILMINGTON NC 284122681, WILMINGTON, NC 28412-2681 |
| Document Number | 0062920946 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 006292/000946 |
| Instrument | 8809 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 10, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Recording Date | Nov 26, 2018 |
| Property Address | 644 WINDGATE DR, WILMINGTON, NC 28412-2681 |
| Document Number | 0061802345 |
| Book / Page | 006180 / 002345 |
| Instrument Date | Sep 6, 2018 |
| Instrument | 35231 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 WINDGATE DR WILMINGTON NC 284122681, WILMINGTON, NC 28412-2681 |
| Document Number | 61802348 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 006180/002348 |
| Instrument | 35232 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 25, 2048 |
The 2025 property tax bill for 644 Windgate Dr was $1,421, up 7.1% from the year before.
Source: New Hanover County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | New Hanover County |
| Unified School District | New Hanover County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $356,200 (-) Land $108,700 Building $247,500 | $356,200 (-) Land $108,700 Building $247,500 | |
| 2025 | $1,421.00 (+7.08%) | $356,200 Land $108,700 Building $247,500 | $356,200 Land $108,700 Building $247,500 |
| 2024 | $1,327.00 (+0.45%) | ||
| 2023 | $1,321.00 (-0.9%) | $239,900 Land $59,800 Building $180,100 | $239,900 Land $59,800 Building $180,100 |
| 2022 | $1,333.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 644 Windgate Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 72 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 84 units insured incl. 12 condo units |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Aug 2020 · Hurricane Isaias |
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 644 Windgate Dr 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THE CAPE MASTER SYSTEM private · serves 11,587 people · EPA ID NC0465199 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 424 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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