Harnett County property record for 111 River Oak St, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,866 sqft · built 2012 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Jul 2022) |
| Tax Bill | $2,639 (2026) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500050958 |
| Primary APN | 1500050958 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,866 sqft Heated Area |
| 1st Floor Area | 1,592 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 480 sqft |
| Porch | Porch |
| Porch Area | 108 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1500050958 |
|---|---|
| Street Address | 111 RIVER OAK ST |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-9624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20M |
| Legal Description | LOT#107 OLDE FARM VILLAGE PH1 MAP#2011-259 |
| Legal Subdivision | OLDE FARM VILLAGE |
| Legal Phase | 1 |
| Legal Lot Number | 107 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 71203 |
111 River Oak St is owned and occupied by two individuals who bought it in July 2022.
Source: Harnett County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 111 RIVER OAK ST, SPRING LAKE, NC 28390-9624 |
| 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 |
|---|---|
| Jul 29, 2022 | Warranty Deed, Transfer · VA Mortgage RESOURCE FINANCIAL SERVICES INC |
| Jan 25, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Oct 26, 2018 | Warranty Deed, Transfer · VA Mortgage NC HOMEFRONT MORTGAGE LLC |
| Jul 3, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on File |
| Deed Sale | Jul 29, 2022 · Amount on File |
| Prior Sale | Oct 26, 2018 · Amount on File |
| Deed Document Number | 2022106187 |
| Deed Book / Page | 4160 / 2866 |
| Prior Transfer Date | Apr 11, 2014 |
| Prior Transfer Doc | 0000009674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Jul 29, 2022 |
| Property Address | 111 RIVER OAK ST, SPRING LAKE, NC 28390-9624 |
| Document Number | 0000106187 |
| Book / Page | 4160 / 2866 |
| Map Reference | MB 2011 PG 259&260 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 2022106187 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3013 HERITAGE LOOP, 3013, NOLANVILLE, TX 76559-4901 |
| Name | Verified Name |
|---|---|
| Address | 111 RIVER OAK ST, SPRING LAKE, NC 28390-9624 |
| Document Number | 0000106188 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 2022106188 |
| Name | RESOURCE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 111 RIVER OAK ST, SPRING LAKE, NC 28390-9624 |
| Document Number | 0000001686 |
| Instrument Date | Jan 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2020 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 111 RIVER OAK ST SPRING LAKE NC 283909624, SPRING LAKE, NC 28390-9624 |
| Document Number | 0000001686 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 003779/000396 |
| Instrument | 1686 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Oct 26, 2018 |
| Property Address | 111 RIVER OAK ST, SPRING LAKE, NC 28390-9624 |
| Document Number | 0000015115 |
| Book / Page | 3649 / 0148 |
| Map Reference | MB 2011 PG 259-261 |
| Instrument Date | Oct 23, 2018 |
| Instrument | 2018015115 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $402.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3615 ETCHBERGER CT, 3615, TYNDALL AFB, FL 32403-1296 |
| Name | Verified Name |
|---|---|
| Address | 111 RIVER OAK ST, SPRING LAKE, NC 28390-9624 |
| Document Number | 0000015116 |
|---|---|
| Date | Oct 26, 2018 |
| Instrument | 2018015116 |
| Name | NC HOMEFRONT MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Jul 3, 2017 |
| Property Address | 111 RIVER OAK ST, SPRING LAKE, NC 28390-9624 |
| Document Number | 0000009674 |
| Book / Page | 003519 / 000540 |
| Instrument Date | Apr 11, 2014 |
| Instrument | 9674 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 111 RIVER OAK ST SPRING LAKE NC 283909624, SPRING LAKE, NC 28390-9624 |
The 2026 property tax bill for 111 River Oak St was $2,639.
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 | $2,639.00 | $345,242 | $345,242 Land $49,200 Building $296,042 |
| 2023 | $2,077.00 | $284,184 | $284,184 Land $42,170 Building $242,014 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 111 River Oak St 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 111 River Oak St is low, with a 0.06% 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 52% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 101 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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