New Hanover County property record for 4703 Split Rail Dr, Wilmington, NC 28412
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,390 sqft · built 2003 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,000 (Dec 2025) |
| Tax Bill | $1,444 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R07100-002-265-000 |
| Primary APN | R07100-002-265-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,390 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| Basement Area | 1,180 sqft |
| Finished Basement | 1,180 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Terrain | Low |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 95 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 4703 SPLIT RAIL DR |
|---|---|
| City | WILMINGTON |
| State | NC |
| Zip | 28412-2267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15,RESID |
| Legal Description | LOT 245 PH 1 THE ARBORS AT JOHNSON FARMS |
| Legal Subdivision | ARBORS @ JOHNSON FARMS PH 1 |
| Legal Block | 2 |
| Legal Lot Number | 245 |
| Jurisdiction | NEW HANOVER NC |
| Township / Civil Division | MASONBORO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 12008 |
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 | 4703 SPLIT RAIL DR, WILMINGTON, NC 28412-2267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional with PMI CARDINAL FIN'L |
| Jun 28, 2019 | Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2025 · Amount on Record |
| Deed Sale | Dec 2, 2025 · Amount on Record |
| Prior Sale | Jun 28, 2019 · Amount on Record |
| Deed Document Number | 202531683 |
| Deed Book / Page | 6815 / 2545 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 4703 SPLIT RAIL DR, WILMINGTON, NC 28412-2267 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00648902018 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 6489/2018 |
| Instrument | 2021043874 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Recording Date | Dec 2, 2025 |
| Property Address | 4703 SPLIT RAIL DR, WILMINGTON, NC 28412-2267 |
| Document Number | 00681502545 |
| Book / Page | 6815 / 2545 |
| Map Reference | MB 42 PG 395 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 2025031683 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $698.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4703 SPLIT RAIL DR, WILMINGTON, NC 28412-2267 |
| Document Number | 2025031684 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 2025031684 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 4703 SPLIT RAIL DR, WILMINGTON, NC 28412-2267 |
| Document Number | 0063861629 |
| Instrument Date | Dec 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4703 SPLIT RAIL DR WILMINGTON NC 284122267, WILMINGTON, NC 28412-2267 |
| Document Number | 0063861629 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 006386/001629 |
| Instrument | 51991 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | 3701 ARCO CORPORATE DR, CHARLOTTE, NC 28273-0402 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 6, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Recording Date | Jun 28, 2019 |
| Property Address | 4703 SPLIT RAIL DR, WILMINGTON, NC 28412-2267 |
| Document Number | 0062261506 |
| Book / Page | 006226 / 001506 |
| Instrument Date | Jun 20, 2019 |
| Instrument | 19731 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $413.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4703 SPLIT RAIL DR WILMINGTON NC 284122267, WILMINGTON, NC 28412-2267 |
| Document Number | 62261509 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 006226/001509 |
| Instrument | 19732 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2049 |
Source: New Hanover County assessment roll, as of October 10, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | New Hanover County |
| Unified School District | New Hanover County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $368,100 (-) Land $104,600 Building $263,500 | $368,100 (-) Land $104,600 Building $263,500 | |
| 2025 | $1,444.00 (+19.24%) | $368,100 (+65.66%) Land $104,600 Building $263,500 | $368,100 (+65.66%) Land $104,600 Building $263,500 |
| 2024 | $1,211.00 (+0.33%) | ||
| 2023 | $1,207.00 (-0.9%) | $222,200 Land $57,300 Building $164,900 | $222,200 Land $57,300 Building $164,900 |
| 2022 | $1,218.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 30 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 2 (2018–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2023 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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