2401 Sapling Cir, Wilmington, NC 28411 Property Records

New Hanover County property record for 2401 Sapling Cir, Wilmington, NC 28411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,301 sqft · built 1997
Lot Size	0.236 acres (10,280 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Mar 2026)
Tax Bill	$1,390 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R03500-005-016-000`

Property Details

APN / Parcel Number

Primary APN	`R03500-005-016-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,301 sqft Living Area
1st Floor Area	1,301 sqft
Basement Area	1,301 sqft
Finished Basement	1,301 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	10,280 sqft (0.236 acres)
Terrain	Low
Garage Area	672 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	2401 SAPLING CIR
City	WILMINGTON
State	NC
Zip	28411-6141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15,RESID
Legal Description	LT 105 SEC 14 MEADOWBROOK
Legal Subdivision	MEADOWBROOK SEC 4
Legal Block	5
Legal Lot Number	105
Jurisdiction	NEW HANOVER NC
Township / Civil Division	HARNETT
Census Block Group	2
Census Block	2004
Census Tract	11611

Owner

2401 Sapling Cir is owned by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1419 MOORGATE DR, KNOXVILLE, TN 37922-6033
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
Mar 23, 2026	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 6, 2020	Deed of Trust, Mortgage · Conventional with PMI ROYAL UNITED MTG
Oct 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2026 · Amount on File
Deed Sale	Mar 23, 2026 · Amount on File
Prior Sale	Mar 21, 2006 · Amount on File
Deed Document Number	20267480
Deed Book / Page	6836 / 2996
Prior Transfer Date	Jul 28, 1998
Prior Transfer Doc	2407000569
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Mar 23, 2026
Property Address	2401 SAPLING CIR, WILMINGTON, NC 28411-6141
Document Number	00683602996
Book / Page	6836 / 2996
Map Reference	MB 36 PG 239
Instrument Date	Mar 12, 2026
Instrument	2026007480
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18000 RIDGELINE PL, FISHERVILLE, KY 40023-7776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1419 MOORGATE DR, KNOXVILLE, TN 37922-6033

Mortgage

Document Number	2026007481
Date	Mar 23, 2026
Instrument	2026007481

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	2401 SAPLING CIR, WILMINGTON, NC 28411-6141
Document Number	0063821755
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 SAPLING CIR WILMINGTON NC 284116141, WILMINGTON, NC 28411-6141

Mortgage

Document Number	0063821755
Date	Nov 24, 2020
Book Page	006382/001755
Instrument	50128

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Oct 26, 2018
Property Address	2401 SAPLING CIR, WILMINGTON, NC 28411-6141
Document Number	0061751493
Book / Page	006175 / 001493
Instrument Date	Oct 23, 2018
Instrument	32472
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2401 SAPLING CIR WILMINGTON NC 284116141, WILMINGTON, NC 28411-6141

Tax Assessment & Valuation

The 2025 property tax bill for 2401 Sapling Cir was $1,390, up 9.7% 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		$348,000 (-) Land $113,500 Building $234,500	$348,000 (-) Land $113,500 Building $234,500
2025	$1,390.00 (+9.71%)	$348,000 Land $113,500 Building $234,500	$348,000 Land $113,500 Building $234,500
2024	$1,267.00 (+0.48%)
2023	$1,261.00 (-0.94%)	$228,500 Land $62,700 Building $165,800	$228,500 Land $62,700 Building $165,800
2022	$1,273.00

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

Flood

FEMA maps place 2401 Sapling Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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 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

Wildfire risk around 2401 Sapling Cir 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.

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 512 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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