9404 Scratch Ct, Wilmington, NC 28412 Property Records

New Hanover County property record for 9404 Scratch Ct, Wilmington, NC 28412

Property Summary

Property Type	Patio Home
Details	4 bd · 3 ba · 2,324 sqft · built 2005
Lot Size	0.358 acres (15,594 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Oct 2025)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`R08700-001-105-000`

Property Details

APN / Parcel Number

Primary APN	`R08700-001-105-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,324 sqft Living Area
1st Floor Area	2,048 sqft
Basement Area	2,048 sqft
Finished Basement	2,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Patio Home
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	15,594 sqft (0.358 acres)
Terrain	Low
Garage Area	552 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	115 sqft
Deck Area	192 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	9404 SCRATCH CT
City	WILMINGTON
State	NC
Zip	28412-3448
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Patio Home
Local Zoning Code	R-10,RESID
Legal Description	LOT 175 SEC 6 CYPRESS ISLAND
Legal Subdivision	CYPRESS ISLAND SEC 6
Legal Block	1
Legal Lot Number	175
Jurisdiction	NEW HANOVER NC
Township / Civil Division	FEDERAL POINT
Census Block Group	1
Census Block	1006
Census Tract	12107

Owner

9404 Scratch Ct, a patio home, is owned by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4225 3RD ST NW, HICKORY, NC 28601-6902
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
Apr 21, 2025	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Jun 30, 2006 · Amount on File
Deed Document Number	202528704
Deed Book / Page	6809 / 1243
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	9404 SCRATCH CT, WILMINGTON, NC 28412-3448
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9404 SCRATCH CT, WILMINGTON, NC 28412-3448

Mortgage

Document Number	00676900836
Date	Apr 21, 2025
Book Page	6769/836
Instrument	2025009573

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	99 WOOD AVE S STE 301, ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 26, 2055

Interest

Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Oct 30, 2025
Property Address	9404 SCRATCH CT, WILMINGTON, NC 28412-3448
Document Number	00680901243
Book / Page	6809 / 1243
Map Reference	MB 39 PG 99
Instrument Date	Oct 24, 2025
Instrument	2025028704
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4507 ARTHUR COLLIER RD, EVERGREEN, NC 28438-8949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 3RD ST NW, HICKORY, NC 28601-6902

Mortgage

Document Number	2025028705
Date	Oct 30, 2025
Instrument	2025028705

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 9404 Scratch Ct was $1,963, up 7.1% 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		$499,300 (-) Land $102,800 Building $396,500	$499,300 (-) Land $102,800 Building $396,500
2025	$1,963.00 (+7.09%)	$499,300 Land $102,800 Building $396,500	$499,300 Land $102,800 Building $396,500
2024	$1,833.00 (+0.33%)
2023	$1,827.00 (-0.92%)	$336,800 Land $74,000 Building $262,800	$336,800 Land $74,000 Building $262,800
2022	$1,844.00

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

Flood

FEMA maps place 9404 Scratch Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 270 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	270 in force
Nearby Flood Claims	35 (2005–2024)
Claims Outside the SFHA	2 of 35
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Potential Tropical Cyclone Eight, Sep 2024 · 4 claims Hurricane Isaias, Aug 2020 · 13 claims Hurricane Florence, Sep 2018 · 15 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 9404 Scratch Ct is moderate, ranking above 47% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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