New Hanover County property record for 4905 Split Rail Dr, Wilmington, NC 28412
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,558 sqft · built 1996 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Jun 2026) |
| Tax Bill | $1,368 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Feb 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R07113-004-025-000 |
| Primary APN | R07113-004-025-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,558 sqft Living Area |
| 1st Floor Area | 847 sqft |
| Basement Area | 679 sqft |
| Finished Basement | 679 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 7,144 sqft (0.164 acres) |
| Terrain | Low |
| Garage Area | 440 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 28 sqft |
| Patio Area | 144 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 4905 SPLIT RAIL DR |
|---|---|
| City | WILMINGTON |
| State | NC |
| Zip | 28412-8317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15,RESID |
| Legal Description | LOT 37 PHASE 3 THE LAKES AT JOHNSON FARMS |
| Legal Subdivision | LAKES AT JOHNSON FARM PH 3 |
| Legal Phase | 3 |
| Legal Block | 4 |
| Legal Lot Number | 37 |
| 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 July 13, 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 | 4905 SPLIT RAIL DR, WILMINGTON, NC 28412-8317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage CORNING FEDERAL CREDIT UNION |
| Feb 10, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Feb 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on Record |
| Deed Sale | Jun 30, 2026 · Amount on Record |
| Prior Sale | Nov 26, 1996 · Amount on Record |
| Deed Document Number | 202617919 |
| Deed Book / Page | 6859 / 1109 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Recording Date | Jun 30, 2026 |
| Property Address | 4905 SPLIT RAIL DR, WILMINGTON, NC 28412-8317 |
| Document Number | 0000017919 |
| Book / Page | 6859 / 1109 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202617919 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4905 SPLIT RAIL DR, WILMINGTON, NC 28412-8317 |
| Document Number | 0000017920, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202617920 |
| Name | CORNING FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 4905 SPLIT RAIL DR, WILMINGTON, NC 28412-8317 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4905 SPLIT RAIL DR, WILMINGTON, NC 28412-8317 |
| Document Number | 00682800647 |
|---|---|
| Date | Feb 10, 2026 |
| Book Page | 6828/647 |
| Instrument | 2026003325 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | 5050 KINGSLEY DR, CINCINNATI, OH 45227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 2, 2056 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEW HANOVER NC |
| Property Address | 4905 SPLIT RAIL DR, WILMINGTON, NC 28412-8317 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00654202167 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 6542/2167 |
| Instrument | 2022007709 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | ALLEN, TX 75013 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
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 |
|---|---|---|---|
| 2025 | $1,368.00 (+3.95%) | $342,000 (+43.76%) Land $105,600 Building $236,400 | $342,000 (+43.76%) Land $105,600 Building $236,400 |
| 2024 | $1,316.00 (+0.46%) | ||
| 2023 | $1,310.00 (-0.91%) | $237,900 Land $81,400 Building $156,500 | $237,900 Land $81,400 Building $156,500 |
| 2022 | $1,322.00 |
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 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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