Harnett County property record for 195 School Side Dr, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,180 sqft · built 2020 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $465,500 (May 2022) |
| Tax Bill | $3,646 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500049549 |
| Primary APN | 1500049549 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,180 sqft Heated Area |
| 1st Floor Area | 1,366 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Roof Type | Hip |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 498 sqft |
| Porch | Porch |
| Porch Area | 275 sqft |
| Patio Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1500049549 |
|---|---|
| Street Address | 195 SCHOOL SIDE DR |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-9802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20R |
| Legal Description | LOT#1120 ACADEMY@AND CRK CLUB MAP#2018-235 |
| Legal Subdivision | ANDERSON CREEK CLUB |
| Legal Lot Number | 1120 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 71204 |
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 | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 8, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 11, 2019 | Loan Modification, Mortgage · Line of Credit US BK |
| Sep 11, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2022 · Amount on Record |
| Deed Sale | May 19, 2022 · Amount on Record |
| Prior Sale | May 14, 2020 · Amount on Record |
| Deed Document Number | 2022100903 |
| Deed Book / Page | 4151 / 1571 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | May 19, 2022 |
| Property Address | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Document Number | 0000100903 |
| Book / Page | 4151 / 1571 |
| Map Reference | MB 2018 PG 235-237 |
| Instrument Date | May 3, 2022 |
| Instrument | 2022100903 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $931.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 415 S RICE ST, 415, HAMILTON, TX 76531-2155 |
| Name | Verified Name |
|---|---|
| Address | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Document Number | 0000100904 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 2022100904 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000007870 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 3965/658 |
| Instrument | 2021007870 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | May 14, 2020 |
| Property Address | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Document Number | 0000007417 |
| Book / Page | 3812 / 251 |
| Map Reference | MB 2018 PG 235-237 |
| Instrument Date | May 13, 2020 |
| Instrument | 2020007417 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2919 BREEZEWOOD AVE STE 400, 2919, FAYETTEVILLE, NC 28303-5283 |
| Name | Verified Name |
|---|---|
| Address | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Document Number | 0000007418 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 2020007418 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Sep 11, 2019 |
| Property Address | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Book / Page | 003734 / 000935 |
| Instrument Date | Sep 10, 2019 |
| Instrument | 13067 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | ANDERSON CREEK CLB S SPRING LAKE NC 28390, SPRING LAKE, NC 28390 |
| Document Number | 0000013067 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 003734/000935 |
| Instrument | 13067 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | 201 S TRYON ST # 2ND, CHARLOTTE, NC 28202-3212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Sep 11, 2019 |
| Property Address | 195 SCHOOL SIDE DR, SPRING LAKE, NC 28390-9802 |
| Document Number | 0000013066 |
| Book / Page | 003734 / 000932 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 13066 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $452.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2919 BREEZEWOOD AVE #400 FAYETTEVILLE NC 283035283, 400, FAYETTEVILLE, NC 28303-5283 |
| Investor | Possibly a Property Investor |
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 | $3,646.00 (+29.8%) | $481,312 (+23.86%) | $481,312 (+23.86%) Land $51,840 Building $429,472 |
| 2025 | $2,809.00 | $388,593 (-) | $388,593 (-) Land $44,550 Building $344,043 |
| 2023 | $2,809.00 | $388,593 | $388,593 Land $44,550 Building $344,043 |
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 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 |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 6 (2013–2018) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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 | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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 | 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 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures