2103 Sapling Ct, Wilmington, NC 28411 Property Records

New Hanover County property record for 2103 Sapling Ct, Wilmington, NC 28411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,377 sqft · built 1996
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on Record
Last Sale	$352,500 (Nov 2023)
Tax Bill	$1,339 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R04307-009-004-000`

Property Details

APN / Parcel Number

Primary APN	`R04307-009-004-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,377 sqft Living Area
1st Floor Area	1,377 sqft
Basement Area	1,377 sqft
Finished Basement	1,377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.177 acres)
Terrain	Low
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	2103 SAPLING CT
City	WILMINGTON
State	NC
Zip	28411-6112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	LOT 231 SEC 10 MEADOWBROOK
Legal Subdivision	MEADOWBROOK SECTION 10
Legal Block	9
Legal Lot Number	231
Jurisdiction	NEW HANOVER NC
Township / Civil Division	HARNETT
Census Block Group	2
Census Block	2006
Census Tract	11611

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2103 SAPLING CT, WILMINGTON, NC 28411-6112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Warranty Deed, Transfer · VA Mortgage SOUTHERN TRUST MORTGAGE LLC
Aug 20, 2020	Deed of Trust, Mortgage · FHA Mortgage JET DIRECT FNDG
Aug 1, 2019	Warranty Deed, Transfer · FHA Mortgage JET DIRECT FNDG
Jan 20, 2017	Warranty Deed, Transfer · FHA Mortgage NORTH ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Document Number	202329694
Deed Book / Page	6676 / 1786
Prior Transfer Date	May 10, 1996
Prior Transfer Doc	2029000174
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Nov 28, 2023
Property Address	2103 SAPLING CT, WILMINGTON, NC 28411-6112
Document Number	00667601786
Book / Page	6676 / 1786
Map Reference	MB 35 PG 245
Instrument Date	Nov 27, 2023
Instrument	2023029694
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 SAPLING CT, WILMINGTON, NC 28411-6112

Mortgage

Document Number	2023029695
Date	Nov 28, 2023
Instrument	2023029695

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	2103 SAPLING CT, WILMINGTON, NC 28411-6112
Document Number	0063471975
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 SAPLING CT WILMINGTON NC 284116112, WILMINGTON, NC 28411-6112

Mortgage

Document Number	0063471975
Date	Aug 25, 2020
Book Page	006347/001975
Instrument	33968

Lender

Name	JET DIRECT FNDG
Type	Funding / Finance Company
Address	BAY SHORE, NY 11706

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Aug 1, 2019
Property Address	2103 SAPLING CT, WILMINGTON, NC 28411-6112
Document Number	0062350423
Book / Page	006235 / 000423
Instrument Date	Aug 1, 2019
Instrument	24026
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 SAPLING CT WILMINGTON NC 284116112, WILMINGTON, NC 28411-6112

Mortgage

Document Number	62350426
Date	Aug 1, 2019
Book Page	006235/000426
Instrument	24027

Lender

Name	JET DIRECT FNDG
Type	Funding / Finance Company
Address	KISMET, NY 11706

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Jan 20, 2017
Property Address	2103 SAPLING CT, WILMINGTON, NC 28411-6112
Document Number	0060312144
Book / Page	00603 / 002144
Instrument Date	Jan 13, 2017
Instrument	1918
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 SAPLING CT WILMINGTON NC 284116112, WILMINGTON, NC 28411-6112

Mortgage

Document Number	60312147
Date	Jan 20, 2017
Book Page	006031/002147
Instrument	1919

Lender

Name	NORTH ST BK
Type	Bank
Address	RALEIGH, NC 27609

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2047

Mortgage

Document Number	60312164,
Date	Jan 20, 2017
Book Page	006031/002164
Instrument	1920

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 19, 2032

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		$334,300 (-) Land $107,100 Building $227,200	$334,300 (-) Land $107,100 Building $227,200
2025	$1,339.00 (+10.66%)	$334,300 (+53.7%) Land $107,100 Building $227,200	$334,300 (+53.7%) Land $107,100 Building $227,200
2024	$1,210.00 (+0.5%)
2023	$1,204.00 (-0.91%)	$217,500 Land $58,800 Building $158,700	$217,500 Land $58,800 Building $158,700
2022	$1,215.00

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 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	2 (2021–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2024 · rainfall accumulation

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 66% of the US · above 46% 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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