220 Pender Rd, Spring Lake, NC 28390 Property Records

Harnett County property record for 220 Pender Rd, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,555 sqft · built 2016
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Mar 2022)
Tax Bill	$2,018 (2023)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1500047886`

Property Details

APN / Parcel Number

Primary APN	`1500047886`
Alternative APN	`01051402 0006 29`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	2,555 sqft Heated Area
Gross Area	3,228 sqft
1st Floor Area	875 sqft
Fireplace	Prefabricated

Exterior

Year Built	Built 2016
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Garage Area	420 sqft
Porch	Porch
Porch Area	70 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1500047886
Street Address	220 PENDER RD
City	SPRING LAKE
State	NC
Zip	28390-1690
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-20M
Legal Description	LOT#378 OVERHILLS CREEK SEC6 PT2 MAP#2006-1005
Legal Subdivision	OVERHILLS CREEK
Legal Lot Number	378
Jurisdiction	HARNETT NC
Township / Civil Division	ANDERSON CREEK
Census Block Group	1
Census Block	1000
Census Tract	71202

Owner

Source: Harnett County records, as of August 30, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	220 PENDER RD, SPRING LAKE, NC 28390-1690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 1, 2022	Intrafamily Transfer, Transfer
Apr 12, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
May 11, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Sep 19, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Prior Sale	Mar 1, 2022
Deed Document Number	0004121347
Deed Book / Page	4121 / 347
Record Updated	Jun 7, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Mar 1, 2022
Property Address	220 PENDER RD, SPRING LAKE, NC 28390-1690
Document Number	0000004428
Book / Page	4121 / 347
Map Reference	MB 2006 PG 1005
Instrument Date	Feb 14, 2022
Instrument	2022004428
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1676 MAN O WAR DR, 1676, HOPE MILLS, NC 28348-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 PENDER RD, SPRING LAKE, NC 28390-1690

Mortgage

Document Number	0000004430
Date	Mar 1, 2022
Instrument	2022004430

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARNETT NC
Recording Date	Mar 1, 2022
Property Address	220 PENDER RD, SPRING LAKE, NC 28390-1690
Document Number	0000004427
Book / Page	4121 / 345
Map Reference	MB 2006 PG 1005
Instrument Date	Feb 1, 2022
Instrument	2022004427
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 SHAWCROFT RD, 304, FAYETTEVILLE, NC 28311-2934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 PENDER RD, SPRING LAKE, NC 28390-1690

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	220 PENDER RD, SPRING LAKE, NC 28390-1690
Transaction Type	Mortgage
Record Updated	Apr 30, 2021
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008205
Date	Apr 12, 2021
Book Page	3967/535
Instrument	2021008205

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	220 PENDER RD, SPRING LAKE, NC 28390-1690
Document Number	0000006317
Instrument Date	May 11, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	220 PENDER RD SPRING LAKE NC 283901690, SPRING LAKE, NC 28390-1690

Mortgage

Document Number	0000006317
Date	May 15, 2019
Book Page	003697/000453
Instrument	6317

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Sep 19, 2018
Property Address	220 PENDER RD, SPRING LAKE, NC 28390-1690
Document Number	0000013434
Book / Page	003640 / 000034
Instrument Date	Aug 30, 2018
Instrument	13434
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$439.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	220 PENDER RD SPRING LAKE NC 283901690, SPRING LAKE, NC 28390-1690

Mortgage

Document Number	13436
Date	Sep 19, 2018
Book Page	003640/000039
Instrument	13436

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2048

Tax Assessment & Valuation

Source: Harnett County assessment roll, as of January 1, 2023

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
2023	$2,018.00	$275,785	$275,785 Land $31,250 Building $244,535

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	3 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 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 76 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed.

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