2115 Sapling Cir, Wilmington, NC 28411 Property Records

New Hanover County property record for 2115 Sapling Cir, Wilmington, NC 28411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1995
Lot Size	0.175 acres (7,623 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Mar 2018)
Tax Bill	$1,332 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R04307-002-037-000`

Property Details

APN / Parcel Number

Primary APN	`R04307-002-037-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,554 sqft Living Area
1st Floor Area	1,554 sqft
Basement Area	1,307 sqft
Finished Basement	1,307 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	7,623 sqft (0.175 acres)
Terrain	Low
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	193 sqft
Patio Area	100 sqft
Utility Building	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	2115 SAPLING CIR
City	WILMINGTON
State	NC
Zip	28411-6100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	LOT 196 SECTION 8 MEADOWBROOK
Legal Subdivision	MEADOWBROOK
Legal Block	2
Legal Lot Number	196
Jurisdiction	NEW HANOVER NC
Township / Civil Division	HARNETT
Census Block Group	3
Census Block	3001
Census Tract	11611

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	Individual Name on Record
Mailing Address	2115 SAPLING CIR, WILMINGTON, NC 28411-6100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 7, 2020	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK
Mar 2, 2018	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK NW NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2018 · Amount on Record
Deed Sale	Mar 2, 2018 · Amount on Record
Prior Sale	Nov 4, 2002 · Amount on Record
Deed Document Number	20186272
Deed Book / Page	6124 / 887
Prior Transfer Date	Dec 9, 2016
Prior Transfer Doc	0060240193
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	2115 SAPLING CIR, WILMINGTON, NC 28411-6100
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 SAPLING CIR, WILMINGTON, NC 28411-6100

Mortgage

Document Number	00680400761
Date	Oct 6, 2025
Book Page	6804/761
Instrument	2025026251

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	2115 SAPLING CIR, WILMINGTON, NC 28411-6100
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 SAPLING CIR, WILMINGTON, NC 28411-6100

Mortgage

Document Number	00657602680
Date	Jun 30, 2022
Book Page	6576/2680
Instrument	2022024501

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	2115 SAPLING CIR, WILMINGTON, NC 28411-6100
Document Number	0063101964
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2115 SAPLING CIR WILMINGTON NC 284116100, WILMINGTON, NC 28411-6100

Mortgage

Document Number	0063101964
Date	May 12, 2020
Book Page	006310/001964
Instrument	17098

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Mar 2, 2018
Property Address	2115 SAPLING CIR, WILMINGTON, NC 28411-6100
Document Number	0061240887
Book / Page	006124 / 000887
Instrument Date	Mar 2, 2018
Instrument	6272
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2115 SAPLING CIR WILMINGTON NC 284116100, WILMINGTON, NC 28411-6100

Mortgage

Document Number	61240890
Date	Mar 2, 2018
Book Page	006124/000890
Instrument	6273

Lender

Name	WELLS FARGO BK NW NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

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		$332,600 (-) Land $106,900 Building $225,700	$332,600 (-) Land $106,900 Building $225,700
2025	$1,332.00 (+15.52%)	$332,600 (+60.99%) Land $106,900 Building $225,700	$332,600 (+60.99%) Land $106,900 Building $225,700
2024	$1,153.00 (+0.52%)
2023	$1,147.00 (-0.86%)	$206,600 Land $58,700 Building $147,900	$206,600 Land $58,700 Building $147,900
2022	$1,157.00

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 21 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	21 in force

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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