168 Harding Ln, Cameron, NC 28326 Property Records

Harnett County property record for 168 Harding Ln, Cameron, NC 28326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,863 sqft · built 2011
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Mar 2012)
Tax Bill	$2,296 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1500004486`

Property Details

APN / Parcel Number

Primary APN	`1500004486`
Alternative APN	`099563 0048 15`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,863 sqft Heated Area
1st Floor Area	1,623 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	20,038 sqft (0.46 acres)
Garage Area	480 sqft
Porch	Porch
Porch Area	134 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1500004486
Street Address	168 HARDING LN
City	CAMERON
State	NC
Zip	28326-0075
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20R
Legal Description	LT#7 COOPER FARMS PH1 S2 MAP#2011-59 20250SF=0.46A
Legal Subdivision	COOPER FARMS
Legal Phase	1
Legal Lot Number	7
Jurisdiction	HARNETT NC
Township / Civil Division	JOHNSONVILLE
Census Block Group	3
Census Block	3006
Census Tract	71402

Owner

Source: Harnett 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	2 Individual Names on Record
Mailing Address	168 HARDING LN, CAMERON, NC 28326-0075
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 26, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2012 · Amount on Record
Deed Sale	Mar 12, 2012 · Amount on Record
Prior Sale	Mar 14, 2011 · Amount on Record
Deed Document Number	20123894
Deed Book / Page	2966 / 791
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	168 HARDING LN, CAMERON, NC 28326-0075
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 HARDING LN, CAMERON, NC 28326-0075

Mortgage

Document Number	0000002955
Date	Feb 28, 2023
Book Page	4183/2410
Instrument	2023002955

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	168 HARDING LN, CAMERON, NC 28326-0075
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014908
Date	Aug 26, 2020
Book Page	3858/759
Instrument	2020014908

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Feb 1, 2046

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	168 HARDING LN, CAMERON, NC 28326-0075
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012969
Date	Jun 7, 2021
Book Page	3995/233
Instrument	2021012969

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Harnett County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Harnett County
Unified School District	Harnett County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,296.00 (+38.56%)	$298,897 (+33.21%)	$298,897 (+33.21%) Land $21,390 Building $277,507
2025	$1,657.00 (+1.35%)	$224,388 (-)	$224,388 (-) Land $41,350 Building $183,038
2023	$1,635.00	$224,388	$224,388 Land $41,350 Building $183,038

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 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 Policies	1 in force

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	Moderate above 60% of the US · above 82% of North Carolina
Wildfire Likelihood	0.2% 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.

Drinking Water

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 3
Verizon Fixed Wireless	25 / 6

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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