197 Independence Dr, Raeford, NC 28376 Property Records

Hoke County property record for 197 Independence Dr, Raeford, NC 28376

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,242 sqft · built 1998
Lot Size	0.345 acres (15,035 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (Jul 2021)
Tax Bill	$1,269 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`494670301402`

Property Details

APN / Parcel Number

Primary APN	`494670301402`
Alternative APN	`245663`

Interior

Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	15,035 sqft (0.345 acres)
Lot Dimensions	155 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	245663
Street Address	197 INDEPENDENCE DR
City	RAEFORD
State	NC
Zip	28376-5987
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	74COLONIAL CHART II2-26/2 359/740 2-26/2 NEW HOUSE FOR 1999
Legal Subdivision	COLONIAL CHARTERS
Jurisdiction	HOKE NC
Township / Civil Division	MCLAUCHLIN
Census Block Group	2
Census Block	2000
Census Tract	970105

Owner

197 Independence Dr is owned and occupied by an individual who bought it in July 2021.

Source: Hoke County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	197 INDEPENDENCE DR, RAEFORD, NC 28376-5987
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Aug 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Jul 13, 2021	Warranty Deed, Transfer · VA Mortgage BLUE RIDGE BANK
Aug 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Aug 30, 2018 · Amount on File
Deed Document Number	20216579
Deed Book / Page	1388 / 699
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOKE NC
Recording Date	Jul 14, 2026
Property Address	197 INDEPENDENCE DR, RAEFORD, NC 28376-5987
Document Number	0000005185
Book / Page	1669 / 796
Instrument Date	Jul 10, 2026
Instrument	20265185
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	EXPRESS TITLE, VETERANS EXPRESS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 INDEPENDENCE DR, RAEFORD, NC 28376-5987

Mortgage

Document Number	0000005185,
Date	Jul 14, 2026
Book Page	1669/796
Instrument	20265185

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOKE NC
Property Address	197 INDEPENDENCE DR, RAEFORD, NC 28376-5987
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01241/0001
Date	Aug 30, 2018
Book Page	1241/0001
Instrument	05090

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOKE NC
Recording Date	Jul 13, 2021
Property Address	197 INDEPENDENCE DR, RAEFORD, NC 28376-5987
Document Number	001388/699
Book / Page	1388 / 699
Map Reference	CAB 2 SL 2-26 MAP002
Instrument Date	Jun 18, 2021
Instrument	6579
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10725 ABERCORN ST APT 138, 10725, SAVANNAH, GA 31419-1441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 INDEPENDENCE DR, RAEFORD, NC 28376-5987

Mortgage

Document Number	0000006580
Date	Jul 13, 2021
Instrument	6580

Lender

Name	BLUE RIDGE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	001388/713
Date	Jul 13, 2021
Book Page	1388/713
Instrument	6581

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOKE NC
Recording Date	Aug 30, 2018
Property Address	197 INDEPENDENCE DR, RAEFORD, NC 28376-5987
Document Number	01240/1046
Book / Page	1240 / 1046
Map Reference	CAB 2 SL 2-26
Instrument Date	Aug 16, 2018
Instrument	05089
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount on Record
Tax	$246.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2200 ENON RD, 2200, MORGANTON, NC 28655-6944

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	933 HIDDEN CREEK DR APT 202, 202, FAYETTEVILLE, NC 28314-0353

Tax Assessment & Valuation

The 2026 property tax bill for 197 Independence Dr was $1,269.

Source: Hoke County assessment roll, as of September 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,269.00	$140,730 (-) Land $31,000 Building $109,730	$140,730 (-) Land $31,000 Building $109,730
2025	$1,269.00	$140,730 Land $31,000 Building $109,730	$140,730 Land $31,000 Building $109,730
2023		$140,730 Land $31,000 Building $109,730	$140,730 (-) Land $31,000 Building $109,730
2022	$1,269.00		$140,730 Land $31,000 Building $109,730

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 197 Independence Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 7, 2014 · 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	5 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

Wildfire risk around 197 Independence Dr 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 52% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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	HOKE CO REGIONAL WATER SYSTEM serves 36,640 people · EPA ID NC0347025
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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