2704 Sapling Cir, Wilmington, NC 28411 Property Records

New Hanover County property record for 2704 Sapling Cir, Wilmington, NC 28411

Property Summary

Property Type	Patio Home
Details	3 bd · 2 ba · 1,008 sqft · built 2000
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Jul 2022)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R03500-005-473-000`

Property Details

APN / Parcel Number

Primary APN	`R03500-005-473-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Patio Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	7,144 sqft (0.164 acres)
Terrain	Low

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Patio Area	96 sqft
Utility Building	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	2704 SAPLING CIR
City	WILMINGTON
State	NC
Zip	28411-6192
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Patio Home
Local Zoning Code	R-15,RESID
Legal Description	LOT 148 SEC 8 SUN COAST VILLAS @ COASTAL CAROLINA
Legal Subdivision	SUN COAST VILLAS
Legal Block	5
Legal Lot Number	148
Jurisdiction	NEW HANOVER NC
Township / Civil Division	HARNETT
Census Block Group	1
Census Block	1018
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	2704 SAPLING CIR, WILMINGTON, NC 28411-6192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 9, 2020	Warranty Deed, Transfer SEATRUST MTG CO
May 31, 2019	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Dec 9, 2020 · Amount on Record
Deed Document Number	202225017
Deed Book / Page	6577 / 2890
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Jul 6, 2022
Property Address	2704 SAPLING CIR, WILMINGTON, NC 28411-6192
Document Number	00657702890
Book / Page	6577 / 2890
Map Reference	MB 39 PG 186
Instrument Date	Jun 22, 2022
Instrument	2022025017
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$558.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 FOREST TRL, ISLE OF PALMS, SC 29451-2513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2704 SAPLING CIR, WILMINGTON, NC 28411-6192

Mortgage

Document Number	2022025018
Date	Jul 6, 2022
Instrument	2022025018

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.15%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.15%
Index	5-Year CMT
Max Rate	10.1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	Dec 9, 2020
Property Address	2704 SAPLING CIR, WILMINGTON, NC 28411-6192
Document Number	0063872618
Book / Page	006387 / 002618
Instrument Date	Dec 8, 2020
Instrument	52636
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 MILITARY CUTOFF RD #20 WILMINGTON NC 284054376, 20, WILMINGTON, NC 28405-4376

Mortgage

Document Number	63872620
Date	Dec 9, 2020
Book Page	006387/002620
Instrument	52637

Lender

Name	SEATRUST MTG CO
Address	WILMINGTON, NC 28405

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NEW HANOVER NC
Recording Date	May 31, 2019
Property Address	2704 SAPLING CIR, WILMINGTON, NC 28411-6192
Document Number	0062191269
Book / Page	006219 / 001269
Instrument Date	May 29, 2019
Instrument	16237
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$354.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2704 SAPLING CIR WILMINGTON NC 284116192, WILMINGTON, NC 28411-6192

Mortgage

Document Number	62191273
Date	May 31, 2019
Book Page	006219/001273
Instrument	16238

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 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		$289,500 (-) Land $100,400 Building $189,100	$289,500 (-) Land $100,400 Building $189,100
2025	$1,169.00 (+19.53%)	$289,500 (+67.24%) Land $105,700 Building $183,800	$289,500 (+67.24%) Land $105,700 Building $183,800
2024	$978.00 (+0.62%)
2023	$972.00 (-0.82%)	$173,100 Land $58,000 Building $115,100	$173,100 Land $58,000 Building $115,100
2022	$980.00

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 71 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims

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 491 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.

Nearby Properties on Sapling Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures