2405 Sapling Cir, Wilmington, NC 28411 Property Records

New Hanover County property record for 2405 Sapling Cir, Wilmington, NC 28411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 1997
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$191,000 (Nov 2017)
Tax Bill	$1,395 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R03500-005-018-000`

Property Details

APN / Parcel Number

Primary APN	`R03500-005-018-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	1,386 sqft
Basement Area	1,386 sqft
Finished Basement	1,386 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	13,068 sqft (0.3 acres)
Terrain	Low
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	2405 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 107 SEC 14 MEADOWBROOK
Legal Subdivision	MEADOWBROOK SEC 4
Legal Block	5
Legal Lot Number	107
Jurisdiction	NEW HANOVER NC
Township / Civil Division	HARNETT
Census Block Group	2
Census Block	2004
Census Tract	11611

Owner

2405 Sapling Cir is owned and occupied by an individual who bought it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2405 SAPLING CIR, WILMINGTON, NC 28411-6141
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2017 · Amount on File
Deed Sale	Nov 9, 2017 · Amount on File
Prior Sale	Feb 27, 2015 · Amount on File
Deed Document Number	201736442
Deed Book / Page	6101 / 1962
Prior Transfer Date	Apr 26, 2005
Prior Transfer Doc	00480200325
Record Updated	Oct 29, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Nov 9, 2017
Property Address	2405 SAPLING CIR, WILMINGTON, NC 28411-6141
Document Number	0061011962
Book / Page	006101 / 001962
Instrument Date	Nov 9, 2017
Instrument	36442
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2405 SAPLING CIR WILMINGTON NC 284116141, WILMINGTON, NC 28411-6141

Mortgage

Document Number	61011964
Date	Nov 9, 2017
Book Page	006101/001964
Instrument	36443

Lender

Name	AMERICAN SEC MTG
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2405 Sapling Cir was $1,395, up 10.1% 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		$349,200 (-) Land $120,500 Building $228,700	$349,200 (-) Land $120,500 Building $228,700
2025	$1,395.00 (+10.1%)	$349,200 Land $120,500 Building $228,700	$349,200 Land $120,500 Building $228,700
2024	$1,267.00 (+0.48%)
2023	$1,261.00 (-0.94%)	$228,500 Land $66,900 Building $161,600	$228,500 Land $66,900 Building $161,600
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 2405 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 2405 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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