2415 Sapling Cir, Wilmington, NC 28411 Property Records

New Hanover County property record for 2415 Sapling Cir, Wilmington, NC 28411

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 1997
Lot Size	0.259 acres (11,282 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Oct 2025)
Tax Bill	$1,432 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Oct 2025 Sale & Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R03500-005-029-000`

Property Details

APN / Parcel Number

Primary APN	`R03500-005-029-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,487 sqft Living Area
1st Floor Area	1,487 sqft
Basement Area	1,487 sqft
Finished Basement	1,487 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	11,282 sqft (0.259 acres)
Terrain	Low
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	85 sqft
Patio Area	120 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	2415 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	LOT 118 SEC 14 MEADOWBROOK
Legal Subdivision	MEADOWBROOK SEC 4
Legal Block	5
Legal Lot Number	118
Jurisdiction	NEW HANOVER NC
Township / Civil Division	HARNETT
Census Block Group	2
Census Block	2004
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	2 Individual Names on Record
Mailing Address	2415 SAPLING CIR, WILMINGTON, NC 28411-6141
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 30, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage BRUCE LEITCH
May 5, 2020	Deed of Trust, Mortgage · Conventional with PMI ALPHA MTG CORP
Mar 14, 2019	Warranty Deed, Transfer · Conventional Mortgage ALPHA MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	202528646
Deed Book / Page	6809 / 836
Prior Transfer Date	Mar 12, 1997
Prior Transfer Doc	2151000747
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	2415 SAPLING CIR, WILMINGTON, NC 28411-6141
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2415 SAPLING CIR, WILMINGTON, NC 28411-6141
Investor	Possibly a Property Investor

Mortgage

Document Number	00677901674
Date	Jun 4, 2025
Book Page	6779/1674
Instrument	2025014349

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	10561 TELEGRAPH RD, GLEN ALLEN, VA 23059

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 2, 2050

Interest

Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Oct 30, 2025
Property Address	2415 SAPLING CIR, WILMINGTON, NC 28411-6141
Document Number	00680900836
Book / Page	6809 / 836
Map Reference	MB 36 PG 239
Instrument Date	Oct 23, 2025
Instrument	2025028646
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1035 BENT BLADE LN, WILMINGTON, NC 28411-0024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2415 SAPLING CIR, WILMINGTON, NC 28411-6141

Mortgage

Document Number	2025028648
Date	Oct 30, 2025
Instrument	2025028648

Lender

Name	BRUCE LEITCH
Type	Private Party

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2030

Mortgage

Document Number	00680900839
Date	Oct 30, 2025
Book Page	6809/839
Instrument	2025028647

Lender

Name	LOANSTEADY LLC
Type	Mortgage Company
Address	8401 GREENSBORO DR STE 950, MCLEAN, VA 22102

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NEW HANOVER NC
Property Address	2415 SAPLING CIR, WILMINGTON, NC 28411-6141
Document Number	0063100342
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2415 SAPLING CIR WILMINGTON NC 284116141, WILMINGTON, NC 28411-6141

Mortgage

Document Number	0063100342
Date	May 11, 2020
Book Page	006310/000342
Instrument	16883

Lender

Name	ALPHA MTG CORP
Address	WILMINGTON, NC 28403

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Mar 14, 2019
Property Address	2415 SAPLING CIR, WILMINGTON, NC 28411-6141
Document Number	0062010039
Book / Page	006201 / 000039
Instrument Date	Mar 6, 2019
Instrument	7090
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2415 SAPLING CIR WILMINGTON NC 284116141, WILMINGTON, NC 28411-6141

Mortgage

Document Number	62010041
Date	Mar 14, 2019
Book Page	006201/000041
Instrument	7091

Lender

Name	ALPHA MTG CORP
Address	WILMINGTON, NC 28403

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2049

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		$387,200 (+7.86%) Land $115,900 Building $271,300	$387,200 (+7.86%) Land $115,900 Building $271,300
2025	$1,432.00 (+9.65%)	$359,000 (+52.12%) Land $115,900 Building $243,100	$359,000 (+52.12%) Land $115,900 Building $243,100
2024	$1,306.00 (+0.46%)
2023	$1,300.00 (-0.91%)	$236,000 Land $64,200 Building $171,800	$236,000 Land $64,200 Building $171,800
2022	$1,312.00

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 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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