Harnett County property record for 109 Birch Ave, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,021 sqft · built 2011 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (May 2018) |
| Tax Bill | $2,420 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500027359 |
| Primary APN | 1500027359 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,021 sqft Heated Area |
| 1st Floor Area | 1,876 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 450 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1500027359 |
|---|---|
| Street Address | 109 BIRCH AVE |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-9545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20M |
| Legal Description | LOT#42 COOPERS CREEK PH1 MAP#2011-140 |
| Legal Subdivision | COOPERS CREEK |
| Legal Phase | 1 |
| Legal Lot Number | 42 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 71203 |
109 Birch Ave is owned and occupied by two individuals who bought it in May 2018.
Source: Harnett County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| 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.
| Date | Document |
|---|---|
| Mar 6, 2026 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Sep 30, 2020 | Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP |
| Nov 13, 2019 | Deed of Trust, Mortgage · VA Mortgage GOODMORTGAGE.COM |
| Feb 14, 2019 | Deed of Trust, Mortgage GOODMORTGAGE.COM |
| May 18, 2018 | Warranty Deed, Transfer · VA Mortgage CITYWORTH MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2018 · Amount on File |
| Deed Sale | May 18, 2018 · Amount on File |
| Prior Sale | Jul 27, 2011 · Amount on File |
| Deed Document Number | 20186963 |
| Deed Book / Page | 3606 / 356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | MILESTONE SETTLEMENT LLC |
| Name | Verified Name |
|---|---|
| Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| Document Number | 0000004240 |
|---|---|
| Date | Mar 6, 2026 |
| Book Page | 4329/2711 |
| Instrument | 2026004240 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | 2460 PASEO VERDE PKWY STE 110, HENDERSON, NV 89074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000017563 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 3874/601 |
| Instrument | 2020017563 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| Document Number | 0000016974 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 109 BIRCH AVE SPRING LAKE NC 283909545, SPRING LAKE, NC 28390-9545 |
| Document Number | 0000016974 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 003756/000537 |
| Instrument | 16974 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| Document Number | 0000001902 |
| Instrument Date | Feb 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 109 BIRCH AVE SPRING LAKE NC 283909545, SPRING LAKE, NC 28390-9545 |
| Document Number | 0000001902 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 003674/000201 |
| Instrument | 1902 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | TYSONS CORNER, VA 22182 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 18, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | May 18, 2018 |
| Property Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| Document Number | 0000006963 |
| Book / Page | 3606 / 0356 |
| Map Reference | MB 2011 PG 140-142 |
| Instrument Date | Apr 9, 2018 |
| Instrument | 2018006963 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 LANDINGS DR, 107, LYNN HAVEN, FL 32444-3240 |
| Name | Verified Name |
|---|---|
| Address | 109 BIRCH AVE, SPRING LAKE, NC 28390-9545 |
| Document Number | 0000006964 |
|---|---|
| Date | May 18, 2018 |
| Instrument | 2018006964 |
| Name | CITYWORTH MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2026 property tax bill for 109 Birch Ave was $2,420, up 35.7% from the year before.
Source: Harnett County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Harnett County |
| Unified School District | Harnett County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,420.00 (+35.65%) | $360,571 (+25.46%) | $360,571 (+25.46%) Land $46,000 Building $314,571 |
| 2025 | $1,784.00 | $287,398 | $287,398 Land $45,000 Building $242,398 |
| 2023 | $1,784.00 Veteran's exemption | $287,398 | $287,398 Land $45,000 Building $242,398 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Birch Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective March 12, 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 |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Mar 1985 · river or lake flooding |
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 risk around 109 Birch Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | HARNETT REGIONAL WATER serves 121,885 people · EPA ID NC0343045 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) 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.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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